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Rozanne Andersen

Rozanne Andersen

Vice President, Chief Compliance Officer

Rozanne Andersen, J.D., serves as Ontario Systems VP and Chief Compliance Officer. She leads the company’s compliance products, services, and consulting initiatives. Her 28+ years of experience includes roles as general counsel, chief lobbyist, executive vice president and CEO of ACA International. As a frequent presenter and consultant on CFPB-related compliance topics, Rozanne is recognized nationally for her advocacy work on behalf of the credit and collection industry resulting in landmark FDCPA, FCRA, and HIPAA reforms.

Posts by Rozanne Andersen

Understanding the Marks vs. Crunch San Diego Decision

Editor’s Note: See Rozanne’s February 2019 update, Crunch has Finally Left its “Marks.” The Ninth Circuit’s decision on Thursday, September 20 to endorse an extremely broad definition of what constitutes an autodialer under the Telephone Consumer...

Don’t Forget about Those Pesky Text Terms and Conditions – Elements of the Ts and Cs for the Third-Party Debt Collection Industry

Once you understand how commercial text message services work and the type of text message service your agency will offer consumers, it’s time to draft your Terms and Conditions. Terms and conditions, like any electronic service agreement, detail precisely how...

A Compliant Text Message Service Begins with the Consent – And Ends with Big Results

A text message service (otherwise known as “SMS,” or “short message service”) is the functional and legal equivalent of a voice call placed to a mobile phone. As such, a text message is regulated by the Telephone Consumer Protection Act (TCPA) and triggers all the...

Start Mastering the Text Message and Make Next Year Your Best Yet

Text messaging, like any other consumer communications technology, comes with its compliance challenges – especially for the third-party debt collector. Character limitations; consent, revocation, opt in and opt out requirements; along with the requirements of the...

Collecting Interest on Charged-Off Debt? Time to Take a Closer Look

  Believe it or not, many creditors will not collect interest on a charged-off debt even if they have the right to do so – The compliance mandates are simply that muddy. Where do we go for guidance to decide whether interest may be charged in a situation where...

Move Beyond the Electronic Payment – How Well Do You Know E-Sign?

  As consumers continue to move away from paper and spend more time sending documents and payments electronically, ARM companies need to step up, and keep compliant with the regulations that protect convenience. We’ve covered electronic payments at length – But...

Have You Thought About How the GDPR Might Affect You?

  Most reading this blog will have at least heard of the General Data Protection Regulation (GDPR), the European Union’s (EU) solution to securing and protecting consumer data. This privacy law, many years in the making, took effect on May 25 of 2018 and brings...

Improve Your Data’s Accuracy, Reduce Consumer Credit Reporting Disputes with these 5 Steps

  If all you hear from your ops folks is that Fair Credit Reporting Act (FCRA) disputes are killing your bottom line, peel back the onion. If you furnish data to credit reporting agencies (CRA) about consumers you should expect a small percentage of consumers...

Bargained-For Consent Might Mitigate Your Risk When Contacting Consumers

  If you have not memorized Reyes, Jr. v. Lincoln Automotive Financial Services by chapter and verse, you have some homework to do. In Reyes, the Court applied a theory of common law called “bargained-for exchange of consideration” to its interpretation of an...

ACA v. FCC is Bearing Out – Know These 2 Options to Mitigate Risk

The long-awaited decision in ACA v. FCC is a huge win for the industry but not a huge win for you – not yet. The decision has a number of implications, including:   Vacating the Federal Communications Commission’s (FCC) one free call rule Directing the FCC to...