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State Advocacy

State Government Affairs >  State Advocacy

AFSA’s State Government Affairs Department regularly submits comment letters on state legislative and regulatory issues that affect consumer credit.

State Comment Letters

California SB 1286: Commercial Collections

September 10, 2024

New Hampshire HB 1243: Petition for emergency rule or order

August 5, 2024

CALIFORNIA DFPI JOINT LETTER RE: PROPOSED REGULATIONS UNDER DEBT COLLECTION LICENSING ACT

July 2, 2024

New Jersey S1310 Re: Debt Settlement

June 7, 2024

New Jersey S1310 Testimony Re: Debt Settlement

June 7, 2024

Illinois HB 4951 re: Interchange and Sales Tax

June 4, 2024

Colorado Uniform Consumer Credit Code re: Proposed Rulemaking

June 3, 2024

Colorado SB 205 re: Artificial Intelligence

May 24, 2024

Michigan SB 408 Testimony Re: Garnishment

May 22, 2024

Ohio HB 182 Testimony Re: Rate Caps

May 20, 2024

New York A9192 / S7783 re: Junk Fees

May 15, 2024

California SB 1061 Joint Letter Re: Medical Debt

May 15, 2024

Alaska SB 264 Re: Rate Caps

May 10, 2024

New York A9585 Re: Banking Laws

May 6, 2024

Ohio HB 23 Joint Letter re: Titling

April 19, 2024

California SB 1076 Joint Letter re: Consumer Privacy

April 16, 2024

California AB 2228 Joint Letter re: Vehicle Repossessions

April 16, 2024

California SB 1286 re: Small Business Debt

April 12, 2024

Massachusetts S 2638 re: Debt Collection

March 26, 2024

Texas OCCC Proposal re: Regulated Lender Fees

March 18, 2024

Florida HB 1347 re: Consumer Finance Loans

March 13, 2024

District of Columbia B25-0609 Testimony re: DIDMCA Opt-Out

March 13, 2024

Rhode Island S 2275 Testimony re: DIDMCA Opt-Out

March 12, 2024

Florida HB 179 re: Vehicle Lien Fraud

March 10, 2024

West Virginia HB 4381 re: Credit Reporting Opt-In

March 5, 2024

Minnesota SF 3932 Testimony re: DIDMCA Opt-Out

February 29, 2024

Minnesota HF 3680 Testimony re: DIDMCA Opt-Out

February 26, 2024

Colorado HB 1148 Testimony re: Consumer Lending Laws

February 26, 2024

Colorado HB 1148 re: Consumer Lending Laws

February 26, 2024

New York SB 7783 re: Junk Fee Prevention Act

February 9, 2024

California Retail Bad Debt Joint Letter re: Governor’s Proposal

February 6, 2024

California DFPI Joint Letter re: Proposed Regulations Under Debt Collection Licensing Act

January 16, 2024

New Jersey A1971/S332 re: Personal Data Disclosure

December 22, 2023

Massachusetts Junk Fee Regulations

December 20, 2023

Department of Consumer and Worker Protection Re: Proposed Rules Related to Debt Collectors

November 29, 2023

Florida HB 179 Re: Vehicle Lien Fraud

November 1, 2023

Pennsylvania HB 1580 re: Remote Work

October 13, 2023

California SB 362 Joint Letter Re: Data Brokers

August 17, 2023

NEW YORK DEPARTMENT OF FINANCIAL SERVICES UPDATED CYBERSECURITY RULES

August 16, 2023

New York State Department of Financial Services RE: Proposed Guidance on Character and Fitness

July 24, 2023

Ohio HB 23 RE: Electronic Titling Repeal

July 24, 2023

Florida HB 1267 RE: Consumer Finance Loan Rate Increase

May 5, 2023

California Department of Financial Protection & Innovation Joint Letter re: Consumer Complaint Rules

April 29, 2023

Texas HB 3389 re: Retail Bad Debt

April 28, 2023

Texas SB 1083 re: Vehicle Repair Insurance Policies

April 28, 2023

Oregon HB 2008 re: Collections

April 27, 2023

Florida SB 564 re: Interchange Fees

April 26, 2023

Colorado HB 1229 re: Consumer Lending

April 25, 2023

California Department of Financial Protection and Innovation (DFPI) Joint Letter re: Consumer Complaints

April 7, 2023

Colorado HB 1229 re: Credit Accessibility

April 6, 2023

California AB 1546 Joint Letter re: California Consumer Privacy Act Statute of Limitations

April 6, 2023

California AB 331 Joint Letter re: Automated Decisionmaking

April 4, 2023

California Privacy Protection Agency Rules re: Automated Decisionmaking

March 29, 2023

Colorado HB 1229 re: All-In Rate Cap

March 27, 2023

Colorado HB 1126 re: Medical Debt Credit Reporting

March 14, 2023

Oregon HB 2008 re: Debt Collection Homestead Exemption

March 9, 2023

Kentucky SB 129 re: Automated License Plate Readers (ALPR)

March 9, 2023

South Carolina S 518 re: 36% All-In Rate Cap

March 3, 2023

New York Department of Financial Services Debt Collection Rules

February 13, 2023

North Dakota SB 2217 Joint Letter re: Interchange Fees

February 8, 2023

California Department of Financial Protection & Innovation Joint Letter re: Consumer Complaints

January 20, 2023

Iowa SSB 1020 Testimony re: Guaranteed Asset Protection

January 18, 2023

New Mexico Financial Institutions Division Testimony re: Lending Rules

January 13, 2023

Vermont Office of the Attorney General Robocall Report

January 13, 2023

New York Department of Financial Services Cybersecurity Rules

January 9, 2023

NYC Department of Consumer & Worker Protection Debt Collection Rules

December 19, 2022

District of Columbia B24-0553 re: Credit Reporting Emergency Alerts

December 6, 2022

California Privacy Protection Agency Modified Proposed Rules

November 21, 2022

New York DFS Proposed Commercial Financing Rules

October 31, 2022

District of Columbia B24-0558 Joint Letter re: Algorithms

October 6, 2022

District of Columbia B24-0558 Testimony re: Algorithms

September 23, 2022

California DFPI Debt Collection Licensing Act Rules Joint Letter

August 29, 2022

California Privacy Rights Act Exemption Extension Joint Letter

August 26, 2022

California Privacy Protection Agency Rulemaking

August 23, 2022

NMLS Disclosure Questions

August 22, 2022

New York DFS Cybersecurity Pre-Proposed Rules

August 18, 2022

California DFPI Commercial Financing Rules

August 8, 2022

California DFPI Joint Letter re: Consumer Complaint Rules

July 5, 2022

California SB 1311 re: Military Lending

June 20, 2022

California SB 1262 Joint Letter re: Background Checks

June 13, 2022

California SB 1311 Joint Letter re: Military Lending

June 7, 2022

New York SB 5190/AB 9811 re: Cashless Ban

May 27, 2022

Rhode Island SB 2650 re: ALPR

May 17, 2022

Georgia SB 470 re: Mortgage Licensing

April 26, 2022

Connecticut SB 272 re: Floorplan Lending

March 23, 2022

Rhode Island HB 7507 re: Automated License Plate Reader Data

March 10, 2022

New Mexico Letter to Governor on HB 132 re: 36% All-In Rate Cap

March 3, 2022

Illinois Department of Financial & Professional Regulation Amended Rules

February 15, 2022

New York DFS Debt Collection Rules

February 14, 2022

New Mexico HB 132 re: 36% All-In Rate Cap

January 26, 2022

New Jersey SB 233 re: Commercial Financing

December 13, 2021

New York DFS Commercial Financing Rules

December 9, 2021

DC B24-0357 Testimony re: Debt Collection

November 29, 2021

Joint comment letter – DC B24-0357 re: Debt Collection

November 23, 2021

New York SB 737 Chapter Amendment Request re: ADA Disclosures

November 15, 2021

California Consumer Privacy Rights Act Rulemaking

November 8, 2021

Wisconsin AB 587/SB 572 Joint Trades Letter re: Interchange

October 21, 2021

California DFPI Debt Collection Licensing Rules

October 5, 2021

California DFPI Consumer Financial Protection Law Rules re: Consumer Complaints

September 17, 2021

Illinois DFPR Rules Testimony re: Predatory Loan Prevention Act

June 30, 2021

Illinois DFPR Rules re: Predatory Loan Prevention Act

June 28, 2021

DFPI Debt Collection Rules PRO 02/20

June 8, 2021

New York SB 133/AB 5698 re: Credit Card Rewards

June 7, 2021

NMLS Modernization

May 31, 2021

Iowa HF 893 re: Military Lending Act Rate Cap

May 11, 2021

New York SB 2849 re: Repossessions

May 3, 2021

California Department of Financial Protection and Innovation regulations re: Commercial financing disclosures

April 23, 2021

Texas HB 2432 re: Small Loans

April 13, 2021

District of Columbia B24-0140 re: COVID-19 Related Restrictions

April 5, 2021

Texas CSHB 3510 Joint Letter – Remote Work

March 29, 2021

Connecticut SB 745 – Floorplan Lending

March 16, 2021

Maine LD 522 – Rate Caps

March 9, 2021

California Department of Financial Protection and Innovation Rulemaking

March 8, 2021

Missouri HB 571 re: Post-Default Interest

February 26, 2021

New Mexico HB 99 – 36% Rate Cap

February 2, 2021

New Mexico SB 66 – All-In Rate Cap

February 1, 2021

New Mexico HB 149 – All-In Rate Cap

February 1, 2021

Illinois SB 1792 Veto Request re: Rate Caps

January 22, 2021

Texas Supreme Court Rules re: Service of Process by Social Media

November 30, 2020

Indiana Attorney General Proposed Rules re: Security Breach

October 30, 2020

California Department of Business Oversight Commercial Financing Disclosure Rules

October 28, 2020

Texas Office of the Consumer Credit Commissioner Precomment Draft Rule Review for Motor Vehicle Sales Finance Companies

September 24, 2020

Arkansas State Collections Board Work From Home Authorization

September 23, 2020

AFSA Comment on Proposed Regulations on NV SB 201-Loans

September 16, 2020

Nevada SB 311 – Credit Reporting Joint Letter

September 14, 2020

Ohio S .112 Opposition Testimony

September 1, 2020

Oklahoma Department of Consumer Credit Work From Home Authorization

August 31, 2020

Oklahoma Department of Consumer Credit Work From Home Authorization

August 31, 2020

Texas Privacy Protection Council RFI Response

August 21, 2020

Wisconsin Department of Financial Services Work From Home Authorization

August 21, 2020

NYDFS Comment on Confidential Treatment Proposed Regulations

August 14, 2020

Hawaii Division of Financial Institutions Work From Home Authorization

August 13, 2020

North Carolina Commissioner of Banks Work From Home Authorization

August 13, 2020

California AB4204/AB4213 Emergency Extension Relief Letter

August 13, 2020

California AB 1436 – COVID-19 Homeowner Relief Joint Letter

August 10, 2020

Georgia Department of Banking and Finance Work From Home Authorization

August 10, 2020

Ohio Department of Commerce Work From Home Authorization

August 10, 2020

California AB 1436 – Mortgage Relief Joint Letter

August 5, 2020

New York Governor Veto Request – SB 5470

August 5, 2020

District of Columbia Department of Insurance, Securities and Banking Work From Home Authorization

August 4, 2020

Florida Office of Financial Regulation Work From Home Authorization

August 4, 2020

Nebraska Department of Banking and Finance Work From Home Authorization

August 4, 2020

New Hampshire Banking Department Work From Home Authorization

August 4, 2020

North Dakota Department of Financial Institutions Work From Home Authorization

August 4, 2020

Rhode Island Department of Business Regulation Work From Home Authorization

August 4, 2020

Vermont Department of Financial Regulation Work From Home Authorization

August 4, 2020

Wyoming Division of Banking Work From Home Authorization

August 4, 2020

Colorado Attorney General Consumer Credit Unit Work From Home Authorization

July 31, 2020

Massachusetts Division of Banks Work From Home Authorization

July 30, 2020

Missouri Division of Finance Work From Home Authorization

July 30, 2020

New Jersey Division of Banking Work From Home Authorization

July 30, 2020

New York Department of Financial Services Work From Home Authorization

July 30, 2020

Pennsylvania Department of Banking & Securities Work From Home Authorization

July 30, 2020

Washington State Department of Financial Institutions Work From Home Authorization

July 30, 2020

Alabama State Banking Department Work From Home Authorization

July 29, 2020

Alaska Department of Commerce, Community, & Economic Development Work From Home Authorization

July 27, 2020

Arkansas Securities Department Work From Home Authorization

July 27, 2020

Iowa Division of Banks Work From Home Authorization

July 27, 2020

Michigan Department of Insurance and Financial Services Work From Home Authorization

July 27, 2020

Montana Division of Banking & Financial Institutions Work From Home Authorization

July 27, 2020

Tennessee Department of Financial Institutions Work From Home Authorization Joint Letter

July 27, 2020

Delaware Office of the State Bank Commissioner Work From Home Authorization Joint Letter

July 24, 2020

Mississippi Department of Banking and Consumer Finance Work From Home Authorization

July 24, 2020

New Mexico Financial Institutions Division Work From Home Authorization

July 23, 2020

Texas Office of the Consumer Credit Administrator Vehicle Finance Rule Review Precomments

July 23, 2020

New York AB 10118 – Floorplan Lending

July 23, 2020

Oregon Division of Financial Regulation Work From Home Authorization

July 23, 2020

Nevada Financial Institutions Division Work From Home Authorization

July 22, 2020

Nevada Mortgage Lending Division Work From Home Authorization

July 22, 2020

New York SB 5470 – Floorplan Lending

July 21, 2020

Minnesota Financial Institutions Division Work From Home Authorization

July 20, 2020

Maryland Commissioner of Financial Regulation Work From Home Authorization Joint Letter

July 17, 2020

NMLS Ombudsman Meeting Agenda Request

July 16, 2020

District of Columbia B23-0776 / Act A23-023-0332 – Negative Credit Information

July 16, 2020

Indiana Department of Financial Institutions Work From Home Authorization

July 13, 2020

Illinois Department of Financial and Professional Regulation Work From Home Authorization

July 9, 2020

Idaho Department of Finance Work From Home Authorization

July 8, 2020

California Department of Business Oversight Work From Home Authorization Joint Letter

July 8, 2020

South Carolina Consumer Financial Division Work From Home Authorization

July 6, 2020

South Carolina Department of Consumer Affairs Work From Home Authorization

July 3, 2020

Virginia Bureau of Financial Institutions Work From Home Authorization Joint Letter

July 2, 2020

Connecticut Department of Banking Work From Home Authorization

July 1, 2020

West Virginia Division of Financial Institutions Work From Home Authorization

July 1, 2020

Kansas Office of the State Bank Commissioner Work From Home Authorization

June 25, 2020

Louisiana Office of Financial Institutions Work From Home Authorization

June 25, 2020

Maine Bureau of Consumer Credit Protection Work From Home Authorization

June 25, 2020

South Dakota Division of Banking Work From Home Authorization

June 25, 2020

Texas Department of Savings & Mortgage Lending Work From Home Authorization

June 25, 2020

Texas Office of Consumer Credit Commissioner Work From Home Authorization

June 25, 2020

Joint Comment Letter – DC Credit Reporting Bill Amendments

June 9, 2020

Illinois Executive Order 2020-16 – Vehicle Repossession

May 29, 2020

Arizona Department of Financial Institutions Work From Home Authorization

May 28, 2020

North Carolina HB 1067 – Debt Settlement Companies

May 28, 2020

Joint Comment Letter – California AB 2501 – COVID-19 Mortgage Relief

May 27, 2020

Missouri HB 1963 – Vehicle Titles

May 27, 2020

Joint Comment Letter – California AB 2524 – Debt Settlement

May 22, 2020

New York SB 8118-B – Credit Reporting

May 20, 2020

Michigan Executive Order 20-77 – Repossession Restrictions

May 18, 2020

California AB 2501 Testimony- COVID-19 Consumer Relief

May 18, 2020

Joint Comment Letter – California AB 2501 – COVID-19 Consumer Relief

May 17, 2020

District of Columbia B23-0751 – Credit Reporting

May 15, 2020

California AB 2501 – COVID-19 Consumer Relief

May 14, 2020

Joint Comment Letter – California AB 2501 – COVID-19 Vehicle Finance Relief

May 14, 2020

Joint Comment Letter – California AB 2501 – COVID-19 Mortgage Relief

May 14, 2020

New Mexico Financial Institutions Division Memo re: Curbside Services

May 7, 2020

Springfield Missouri Short-Term Loan Establishment Ordinance

May 7, 2020

New Jersey AB 3908 Testimony – COVID-19 Financial Protection

May 7, 2020

New Jersey SB 2330 Testimony – COVID-19 Financial Protection

May 7, 2020

New Jersey AB 3908 – COVID-19 Financial Protection

May 1, 2020

Los Angeles City Council Motion 20-0418 – Safer at Home Debt Collection

May 1, 2020

New Mexico Public Regulation Commission – Repossessions

April 29, 2020

Massachusetts Division of Banks Request for Information

April 24, 2020

Alaska SB 241 / Chapter 10 – Vehicle Repossessions

April 23, 2020

Massachusetts HD 5014 – COVID-19 Emergency Financial Protections

April 21, 2020

District of Columbia B23-0733/Act A23-0286 – Vehicle Repossessions

April 17, 2020

American Association of Motor Vehicle Administrators Best Practices Joint Comment Letter

April 17, 2020

New Jersey SB 2330 – COVID-19 Financial Security for Consumers Act

April 15, 2020

Massachusetts Attorney General Emergency Debt Collection Regulations – Vehicle Repossessions

April 8, 2020

Maryland Governor Executive Order 20-04-03-01 – Vehicle Repossessions

April 8, 2020

Rhode Island Governor Stay at Home Order

April 7, 2020

New Mexico Non-Bank Loan Servicing

April 7, 2020

New Mexico Safe and Affordable Credit Access and Servicing During the Coronavirus Pandemic

April 6, 2020

South Dakota Division of Banking COVID-19 Information Request

April 2, 2020

Illinois Governor Executive Order 2020-16 – Vehicle Repossessions

April 1, 2020

Kansas Governor Stay at Home Order

March 31, 2020

Texas Governor Stay at Home Order

March 24, 2020

Dallas County Stay at Home Order

March 24, 2020

New Mexico Stay at Home Order

March 24, 2020

Michigan Department of Insurance and Financial Services Licensee Survey

March 19, 2020

New York Department of Financial Services Coronavirus Guidance

March 13, 2020

Washington SB 6281 – Washington Privacy Act joint comment letter

March 11, 2020

Liberty, MO Ordinance 11182 – Lending Establishment Zoning

March 4, 2020

Maryland HB 655 – Indirect Vehicle Financing

March 4, 2020

Massachusetts HB 2 – Real Time Sales Tax Remittance Joint Comment Letter

March 2, 2020

Ohio SB 112 Testimony – Debt Settlement Companies

February 26, 2020

California ELT Regulations

February 25, 2020

California Consumer Privacy Act revised proposed regulations

February 25, 2020

Tennessee HB 1182 – Debt Settlement Companies

January 10, 2020

California Consumer Privacy Act proposed regulations

December 6, 2019

Alabama Bureau of Loans Proposed Rule 155-2-2-.12 – Non-Filing Insurance

November 4, 2019

Texas Attorney General Opinion Request RQ-0300-KP – Credit Service Organizations

October 29, 2019

Massachusetts SB 554 – Licensing

September 11, 2019

New York SB 4019 – Vehicle Leasing

September 4, 2019

Nevada SB 311 – Credit Reporting

August 26, 2019

California SB 639 – Financing Healthcare Services

August 21, 2019

New York AB 2078/SB 4019 – Vehicle Leasing

June 20, 2019

Nevada SB 201 – Lending Database

May 10, 2019

Massachusetts HB 220 – Licensing

May 10, 2019

New Jersey SB 2262 – Floorplan Financing

May 9, 2019

Nevada AB 477 Testimony – Post-Default Interest

May 8, 2019

Nevada AB 477 – Post-Default Interest

April 30, 2019

Nevada AB 360 – Traditional Installment Lending

April 11, 2019

Florida SB 772 – Lien Fraud

March 25, 2019

Nevada SB 201 – Lending Database

March 19, 2019

Florida HB 347 – Notification Requirements for Tow Companies

March 15, 2019

Maryland SB 786 Testimony – Vehicle Finance Disclosures

March 13, 2019

Maryland HB 1127 Testimony – Vehicle Finance Disclosures

March 13, 2019

Ohio Division of Financial Institutions proposed revisions to rules under General Loan Law

March 8, 2019

California Consumer Privacy Act Rulemaking

March 8, 2019

Florida HB 431 – Lien Fraud

February 11, 2019

California Department of Business Oversight proposed rules for commercial financing disclosures

January 22, 2019

Texas OCCC Precomment Proposed Rules for Motor Vehicle Recordkeeping

November 29, 2017

West Virginia AG Efforts Against Identity Theft

June 13, 2017

California AB 1305 Sales and use taxes

May 8, 2017

South Carolina review of ancillary product declaratory ruling

April 28, 2017

Iowa Proposed Rate Band update

April 19, 2017

Colorado Rules for Innovative Motor Vehicle Tax Credit

March 29, 2017

Vermont dr req 17-1176 Vermont Auto Repossession Act

March 16, 2017

Massachusetts proposed amendments to the Rules of Civil Procedure regarding credit card debts

February 28, 2017

Georgia SB 198 Live checks

February 22, 2017

Georgia HB 327 Ad valorem tax on motor vehicles

February 22, 2017

Nebraska LB 384 Interest rate for installment loans

February 6, 2017

New York revised cybersecurity regulation

January 27, 2017

South Dakota application of Initiated Measure 21

November 16, 2016

New York proposed cybersecurity regulation

November 14, 2016

New York proposed cybersecurity regulation Joint SIFMA letter

November 14, 2016

Massachusetts debt collection statutory and regulatory framework

October 21, 2016

Maryland review of regulations affecting sales finance licensees

October 14, 2016

New Jersey AB 2495 Lease termination in the event of death

September 28, 2016

Vermont Final Proposed Rule Revising Negative Equity Form

August 12, 2016

Nevada Petition for Advisory Opinion on Conduct of Indirect Vehicle Finance Business Activity

July 7, 2016

Vermont SB 155 Automatic License Plate Recognition Systems

April 7, 2016

Texas Proposed Amendments to Rules for Motor Vehicle Retail Installment Sales

April 4, 2016

Vermont Second Version of Proposed Revisions to Negative Equity Disclosure Form

March 28, 2016

California Proposed Regulations on Like-Kind Exchange Sourcing Joint Comment Letter

March 3, 2016

New Mexico Proposed Amendments to Misrepresentation of Age and Condition of Motor Vehicles Rule

January 29, 2016

Vermont Proposed Revisions to Negative Equity Disclosure Form

December 23, 2015

Texas Proposed Amendments to Plain Language Contracts for Motor Vehicle Retail Installment Sales

September 30, 2015

New York Proposed Payroll Card Regulations – Supplementary Comment Letter

August 25, 2015

Massachusetts Division of Banks Regulation Review

August 21, 2015

Texas Draft Amendments to Plain Language Contracts for Motor Vehicle Retail Installment Sales

August 10, 2015

New York Proposed Payroll Card Regulations

July 8, 2015

CSBS Proposed Prudential Regulatory Standards for Non-Bank Mortgage Servicers

June 23, 2015

New York Independent Democratic Conference Subprime Auto Finance Report & Legislation

June 22, 2015

Colorado HB 15-1390 Dollar Limits on Interest Rate Brackets

May 26, 2015

Arkansas HB 1775 Interchange Fees

March 10, 2015

Colorado HB 15-1154 Interchange Fees

February 13, 2015

New Mexico HB 24 and HB 36 Thirty-Six Percent Rate Cap

January 30, 2015

New York Proposed Changes to Banking Law Article IX & XI-B

September 14, 2014

New York Revised Proposed Debt Collection Regulations

August 15, 2014

Delaware Revised Sales Finance Company Operation & Minimum Records Regulations

July 11, 2014

New York Proposed Consumer Credit Collection Court Rules

May 30, 2014

Massachusetts S.2141 Automated License Plate Reader Systems

May 21, 2014

Rhode Island SB 2614 Automated License Plate Reader Systems

March 24, 2014

Rhode Island HB 7461 Automated License Plate Reader Systems

March 24, 2014

New York A.3649 Vehicle Lienholder Notification

March 21, 2014

Florida SB 32 and HB 783 Vehicle Financing with Third-Party Products

February 26, 2014

New Mexico SJR 20 and HJR 10 Thirty-Six Percent Rate Cap

February 13, 2014

Maryland HB 289 Automatic License Plate Recognition Systems

February 4, 2014

Kansas SB 282 Access to Installment Loans

January 30, 2014

MA Clarification of Revised Debt Collection Regulations

June 7, 2012

MA Revised Debt Collection Regulations

March 23, 2012