Guests:- LaDonna Bohling- Joann Needleman, Clark Hill- Ken Peck, Valor Intelligent ProcessingDISCUSSION TOPICS - What will you remember 2021 for when you look back on this year? What are you most looking forward to in 2022? - One-fifth of patients would rather go to the DMV than try to pay a medical bill online (https://www.accountsrecovery.net/2021/12/20/data-details-disturbing-trend-for-healthcare-providers/). What can the ARM industry do to make paying bills online easier? Where are the friction points? Where are there opportunities for improvement? - There are published reports that Boomers are responsible for the labor shortage (https://www.cnn.com/2021/12/18/business/labor-shortage-boomers-millennials-nightcap/index.html). But collection agencies are still having a difficult time finding new employees. Why do you think that is? - Is this time of year a good time to try and collect? Or should collectors wait until after the holidays are over? - Something you have read/watched/listened to and would recommend to the audience. 

Guests:- Michael Lamm, Corporate Advisory Solutions- Harry Strausser, Applied Innovation- Brit Suttell, Barron & NewburgerDISCUSSION TOPICS - How to make sense of the fact that companies are still having a hard time finding employees, at a time when savings among consumers are dwindling (https://www.accountsrecovery.net/2021/12/14/financial-cushions-for-americans-getting-thinner-heading-into-2022/). How are people surviving? What happens once they have to start repaying their student loans again (https://www.accountsrecovery.net/2021/12/10/lawmakers-ramping-up-calls-to-extend-student-loan-payment-moratorium/)? - Companies are giving up on bringing employees back to work, claims this article (https://www.axios.com/post-pandemic-future-of-work-hybrid-mystery-742f87a2-7771-4433-90ec-f1d8202be905.html) at the same time that calls to reshape the 9-to-5 workday (https://www.npr.org/2021/12/13/1062991645/out-of-office-author-ann-helen-petersen) are being made. How do these trends reconcile with one another? Can include information from this survey, too (https://www.fastcompany.com/90703579/we-surveyed-6000-employees-about-the-future-of-work-heres-what-they-want). - The federal government issued an Executive Order to improve its customer experience (https://www.whitehouse.gov/briefing-room/presidential-actions/2021/12/13/executive-order-on-transforming-federal-customer-experience-and-service-delivery-to-rebuild-trust-in-government/?utm_content=191188381&utm_medium=social&utm_source=linkedin&hss_channel=lcp-59730). How can companies in the ARM industry improve their customer experience? - How should companies be celebrating the holiday season? What holiday tradition do you look forward to the most every year? - Something you have read/watched/listened to and would recommend. 

Guests: - Judd Peak, Capital Accounts- William Marohn, Tobin & Marohn- Katie Zugsay, Finexus Insurance AgencyTopics:DISCUSSION TOPICS - A newspaper in New York has called on the state legislature to enact a licensing law as a means of protecting consumers. Is there any data to substantiate that claim? Are consumers better protected in states with licensing laws? It seems to me that if you're going to try and scam someone, you probably didn't stop to get your license on the way. - More Americans are feeling pessimistic about their financial futures (https://www.accountsrecovery.net/2021/12/03/encore-capital-survey-details-negative-financial-outlook-for-consumers/). As we head into income tax season, what do you think that means for the ARM industry? - A lot of the mainstream media is picking up the "collectors are going to use social media to collect from you" scent. What should collectors say if a consumer asks them about it on a collection call? Should agencies be proactively reaching out to their local media to try and educate them about the rule? - One company in the U.K. is giving employees total flexibility over their work schedules (https://www.fastcompany.com/90700780/this-company-gives-employees-total-flexibility-over-their-schedules). Do you think that is something that would work here in the United States? - Something you read/watched/listened to and would recommend.

Guests:- Katie Borchers, Beyond Green Solutions- Tim Collins, InDebted- Michael Jeselnik, Carter-YoungTopics:DISCUSSION TOPICS- Has the enactment of Regulation F been anticlimactic on some level? Months were spent getting ready for it, yet the first couple days seem to have been underwhelming. Is that how you feel? Maybe underwhelming is a good thing. - Was anyone else disappointed that there was no fanfare of any kind from the CFPB to mark the enactment of Regulation F? - During a webinar, an owner of a collection agency said he expected that there would likely be something that was missed inside his shop with respect to complying with Regulation F. What do you think is the most likely area where something may have been overlooked? - Do you think the 2022 tax season will be better or worse than previous years?- What area of their development do collectors need the most help? What is the part of the job in which collectors tend to struggle the most?- Something you have read/watched/heard or something you are thankful for. 

Guests:- Beth Conklin - State Collection Service- Jack Gordon - WebRecon- Heath Morgan - Malone Frost Martin- Chris Repholz - The CCS CompaniesTopics:DISCUSSION TOPICS - Training collectors on Regulation F. Are you finding that collectors are ready for next week? What do you think is going to be the biggest problem area for collectors once Regulation F goes into effect? How should agencies be untraining collectors after they have spent years learning a certain way to do things? - More companies are embracing the four-day workweek (https://www.nytimes.com/2021/11/23/business/dealbook/four-day-workweek.html). What are the pros and cons for the ARM industry? - Is networking still as important today as it was in the past? What are some of your tips for being a successful networker (https://www.cnn.com/2021/11/16/success/network-get-job-feseries/index.html) - Compliance has become a competitive differentiator in the ARM industry; companies are using their approach or legal record as a tool to win new business. How should companies incorporate their compliance with Regulation F into that discussion? - Something you have read/watched/heard or something you are thankful for. 

Guests:- Caren Enloe, Smith Debnam- Melissa Nash, Checkmark Collections- Rick Perr, Kaufman Dolowich & VoluckTopics:- An update on Hunstein v. Preferred Management & Collection Services- As November 30 approaches, looking back on the past eight years — from when the CFPB announced its plan to issue a debt collection rule — what has been the biggest surprise to you? What will you remember most about the rulemaking process and preparing for Regulation F's enactment? - Scientists have identified a link between lying and technology (https://www.fastcompany.com/90695650/science-reveals-the-fascinating-link-between-lying-and-technology). How does this impact interactions between consumers and collectors? If people are more likely to lie on the phone than they are over email, should collectors focus more on communicating via email? - A survey revealed that 88% of people think the holidays is the most stressful time of the year (https://www.businessinsider.com/manager-can-support-stressed-out-workers-during-holidays-2021-11). What should companies in the ARM industry be doing to help their employees manage that stress? Is it worse this year? - Something you have watched/listened to/read that you would recommend to the audience

Guests:- Rozanne Andersen, Finvi- Misty Carson, MRS BPO- Michael Lamm, Corporate Advisory Solutions- Harry Strausser, Applied InnovationTopics:- Corporate Advisory Solutions' 3Q newsletter is out. Michael Lamm will share the highlights, followed by a discussion on the state of the ARM industry and M&A activity. Will consolidation continue? Is that a good thing? - The perks that job seekers are most interested in today. How can companies in the ARM industry continue to attract top talent? Is it getting harder? - Today is Veteran's Day. How can companies in the ARM industry pay tribute and celebrate this important day? - We saw a lot of talk about Aaron Rodger's comments regarding his vaccination status as well as reports that employees would report coworkers for violating vaccine mandates. How can and should companies walk this tightrope? 

Guests:- LaDonna Bohling- Jack Gordon, WebRecon- Stefanie Jackman, Ballard SpahrTopics:DISCUSSION TOPICS - A new survey indicates that only 68% of people are satisfied in their jobs, down from 84% a year ago. Why do you think that is? What should companies in the ARM industry be doing to keep that number as high as possible? - I have heard a number of accounts from people who have not yet started getting ready for the enactment of Regulation F. Why do you think that is? What can they do about it at this point? Can they get ready in time? - Rohit Chopra is making quite the impression during his first month as Director of the CFPB. What do you think of what he has done/said so far and what do you think it means for the ARM industry? - Everyone has been seen or heard the news about what happened with Alec Baldwin accidentally killing a crew member on the set of a movie. One of the lessons that may may emerge from this tragedy is questioning the status quo. Too often, we follow the "if it's not broken, don't fix it," mentality, even though there might be a better way of doing things. How can companies force themselves to be open to new ideas and ways of thinking? - Something you saw/heard/watched and would recommend.

Guests:- Katherine O'Brien, United Holding Group- Aaron Reiter, InterProse- Nathan Willner, NCBATopics:- It's been a week since the new Hunstein decision was released. How has your initial reaction to the new ruling changed in the past 7 days? Do you think the outcome of this particular case will have any impact on the thousands of Hunstein lawsuits that have been filed across the country? - Recapping Rohit Chopra's appearances before the House Financial Services Committee and the Senate Banking Committee. Is anyone surprised by how his first month on the job has gone? - What should the industry make of this statistic? 33% of workers (both part- and full-time) who get health insurance through their employer would be very or somewhat likely to quit if that weren’t the case. (https://qz.com/2082849/one-in-three-americans-would-quit-if-it-wasnt-for-healthcare/amp/). Why are people leaving and how can companies keep that from happening? - Constant notifications are making us too anxious (https://www.theguardian.com/lifeandstyle/2021/nov/01/phones-texting-anxiety-messages-communication). What should we do about it? - Something you have read/watched/heard and would recommend to your peers and colleagues. 

Guests:- Dennis Barton, Barton Law Group- Scott Morris, Tromberg Morris & PoulinDiscussion Topics:- Recapping NCBA's Fall Conference- How can people be sure they are getting good advice when they get a referral for a product or service? - Why are people in certain states more likely to complain or dispute or sue than people in other states - Do you think it's going to be easier or harder for collection attorneys to comply with Regulation F than it is for collection agencies? - Something you have seen/read/heard and want to recommend to our audience.