Guests:
- Judd Peak, Capital Accounts
- William Marohn, Tobin & Marohn
- Katie Zugsay, Finexus Insurance Agency

Topics:
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.