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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

May I Leave a Voicemail Message? (The Conundrum Continues)

  The Fair Debt Collection Practices Act (FDCPA) substantially complicates the communication process between third-party debt collectors and consumers. Many collectors believe that, under the FDCPA, they cannot leave voicemail messages for consumers and remain in...

ADA Accessibility Matters – But Don’t Forget Her Sister Statutes

  Rarely does the Americans with Disabilities Act (ADA) present unique compliance issues for a web developer based on industry type. The visual and audio solutions most businesses and organizations must incorporate into their websites are one-time solutions that...

5 Common Problems and 5 Easy Solutions to ADA Accessibility and Compliance

  We already learned who must comply with the Americans with Disabilities Act (ADA) and the reasons why our industry must understand how the ADA impacts a consumer-facing website. But what particular, major problems do websites present to people with vision and...

The ADA Matters When It Comes to Consumer Web Portals

  It’s true: When it comes to efficient receivables management, consumer web portals are all the rage. While web-based interactions with consumers are second nature to most businesses, the ARM industry has been slow to adapt. That’s changing, as many outsourcers...

LATE BREAKING NEWS on an Industry-Friendly VoIP Decision!

  One case we have followed since July of 2016 is the District of Massachusetts, U.S. District Court case of Breda v. Cellco Partnership D/B/A Verizon Civil Action No. 16-11512-DJC. In this case, the defendant cell company had mistakenly associated plaintiff’s...

Voice Over Internet Protocol – Yesterday, Today and Back to Yesterday

  Sadly, most people in the ARM industry – including defense attorneys and judges – have little idea how to determine whether a Voice over internet Protocol (VoIP) call is subject to the TCPA. How do you go about your analysis? First, let’s make sure you...

CFPB Director Richard Cordray Has Stepped Down – Here’s Our Reaction:

  Cordray was confirmed as head of the agency in 2013, nearly two years after he was nominated by President Barack Obama. His exit leaves him free to enter the Ohio governor’s race, which he is widely expected to join, according to NPR. As an overseer of...

Powering Up the Rev Cycle – Hot Topics for Healthcare Providers

  The Scottsdale sun shined brightly on PowerUp 2017 last month. Specialty tracks, dynamic speakers and record setting attendance made our annual receivables education event one of the hottest conferences in the county. In addition to soaking up the sun,...

It’s Corporate Compliance & Ethics Week – Can You Answer These 5 Questions?

  Compliance with consumer financial laws has become part of the receivables management industry’s DNA. Compliance drives how we do business. It dictates how we treat consumers, patients and citizens. It creates the foundation for the ethical standards...

This First-Party Thing is Heating Up

Creditors like the first-party model because it maximizes control over the collection agency. Debt collectors like the first-party model because it insulates them from liability under the Fair Debt Collection Practices Act (FDCPA). Arguably, consumers like the...

Don’t Cloud the Validation Notice: 8 Tips to Avoid Overshadowing

When it comes to the FDCPA’s 30-day validation period, many third-party ARM agencies struggle with the concept of “overshadowing.” It’s a term found in  Section 809 of the Fair Debt Collection Practices Act (FDCPA), which provides: “…any collection activities and...

The CFPB’s New Rules – Or Just More Lipstick on a Pig?

It’s official: On July 20, 2017, the Consumer Financial Protection Bureau (CFPB) released its spring 2017 regulatory agenda confirming Director Richard Cordray’s informal announcement that the Bureau would move forward with its proposed rulemaking, albeit with a more...