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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

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...

These 7 Must-Have Functions Are Fueling the IVR’s Soaring Popularity

If you run a call center, a C2B business, a hospital, a government revenue center, or just want to provide excellent customer service, you need an Interactive Voice Response Unit (IVR). Yes, it is old technology. But in recent years, new functionality has made the IVR...

3 True Takeaways in ACA International, et al. v. FCC – Why Their Loss May Not be Our Win – Yet

  One of the underpinnings of the United States system of jurisprudence is the opportunity afforded individuals to have their day in court – Although often, the desire to have a claim litigated clouds one’s ability to weigh the true legal and financial costs...

4 Considerations and 13 Steps to Support Compliant Consumer Email Communication

  Your collector is on the phone with a consumer. The conversation is going well. And then the consumer asks if your collector could shoot him an email explaining the payment plan. Most agencies are ill-equipped to properly handle these kinds of email...

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...