Guests:
- Caren Enloe, Smith Debnam
- Melissa Nash, Checkmark Collections
- Rick Perr, Kaufman Dolowich & Voluck

Topics:
- 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