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The FCAA mission is to promote quality and professional delivery of financial counseling services. FCAA member agencies assist hundreds of thousands of consumers annually with financial counseling services of all kinds as well as debt management services. Find out more about joining the FCAA.


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AICCCA concerned proposed State Debt Settlement Legislation will harm Consumers

6/24/2013 12:00:00 AM -

Fairfax, VA - Ohio HB 173 and Pennsylvania SB 622 are intended to impose increased regulation of for-profit debt settlement industry practices. However, the proposed legislation, while providing some consumer protections, does not address some of the more unscrupulous practices that may continue to harm consumers.

"We have written to the state legislators sponsoring this legislation in both Ohio and Pennsylvania outlining our concerns for consumers," said David Jones, president, Association of Independent Consumer Credit Counseling Agencies. "Recent actions taken by the Consumer Financial Protection Bureau against abusive and even criminal debt settlement abuses would indicate that many consumers are still suffering because of the practices of some for-profit debt settlement companies and these proposed bills will not help address the problem without substantial amendment."

AICCCA advises amending the proposed legislation in both states to include fee caps, prohibitions for enrolling consumers whose financial conditions make it highly unlikely that they can complete a debt settlement program, meaningful bonding requirements to provide restitution, enhanced penalties for violations and other specific remedies to ensure broad and effective consumer protections.

For more information and to review the letters sent to legislators, please visit www.aiccca.org.

Founded in 1993, Association of Independent Consumer Credit Counseling Agencies (AICCCA) is a national membership organization, established to promote quality and consistent delivery of credit counseling services. AICCCA and its members are focused on improved creditor relations, efficient processes and advanced technology to best serve clients and creditors. AICCCA members are independent nonprofit agencies that advocate for debtors, counsel millions of consumers annually nationwide and provide debt management services to consumers with excessive unsecured debt. For more information or to contact an AICCCA member office call 866-703-TRUSTAICCCA (866-703-8787) or visit www.aiccca.org.