American Financial Services Association - Court Announces Key TCPA Decision; AFSA Hosting Webinar Next Week
Member login
American Financial Services Association

Court Announces Key TCPA Decision; AFSA Hosting Webinar Next Week

Blog Posts

On March 16, 2018, the D.C. Circuit issued its long-anticipated ruling in ACA International, et al. v. FCC. The decision resolved a series of challenges to the July 10 2015 Declaratory Ruling & Order of the Federal Communications Commission (FCC) implementing the Telephone Consumer Protection Act (TCPA). The Order expanded the scope of the TCPA in several important and concerning ways. Several organizations, including AFSA, were among the petitioners.

On a positive note, the court vacated the FCC’s definition of an “automatic telephone dialing system,” as well as the FCC’s treatment of reassigned wireless numbers for purposes of TCPA liability. However, the court upheld the FCC’s Order in two aspects – the approach to revocation of consent and the scope of its exemption for time-sensitive healthcare calls.

The TCPA was enacted in 1991 to curtail undesired robocalls to consumers. The statute prohibits the use of certain automated dialing equipment to make calls to cell phones without the called party’s consent. Violations of the TCPA are subject to damages up $1,500 per call. AFSA has been emphasizing the need to modernize this statute with the administration and Congress.

The court’s decision brings the issue back to the FCC. It is likely that the FCC will begin a new rulemaking with respect to TCPA, possibly this summer.

An appeal of the Court’s decision is unlikely. FCC Chairman Pai said, “I’m pleased today’s ruling does not impact the current FCC’s efforts to combat illegal robocalls and spoofing. We will continue to pursue consumer-friendly policies” and “we’ll maintain our strong approach to enforcement.”

Until a new rule is finalized, lower courts will have to fill the gap left by the D.C. Circuit's partial vacatur of the FCC’s Order. It remains to be seen how the courts will treat these issues in the absence of the FCC’s guidance.

AFSA will host a Member-only webinar next week to discuss the decision. Details are available here.

Court Announces Key TCPA Decision; AFSA Hosting Webinar Next Week
Mar 19, 2018

On March 16, 2018, the D.C. Circuit issued its long-anticipated ruling in ACA International, et al. v. FCC. The decision resolved a series of challenges to the July 10 2015 Declaratory Ruling & Order of the Federal Communications … Read the rest

AFSA’s annual Vehicle Finance Conference & Expo kicks off next week
Mar 15, 2018

The American Financial Services Association (AFSA) will hold its annual Vehicle Finance Conference & Expo next week, March 20-22, at the Bellagio in Las Vegas, highlighting the creative and disruptive influence of innovation … Read the rest

Direct Lending in Auto Finance Aided by FinTech
Mar 09, 2018

Digital technology and fintech innovation in the auto lending space are enabling direct lending to become more popular among car buyers, said, representatives of direct lending companies at the Auto Finance Innovation conference, this… Read the rest

“Disruptive but Necessary” the Focus of Auto Finance Innovation Conference
Mar 08, 2018

Auto Finance professionals from the United States, Canada and Australia are attending the third annual Auto Finance Innovation Conference this week featuring presentations and panel discussions focusing on the disruptive, but necessary,… Read the rest

Harnessing the Power of Play
Mar 06, 2018

Yu-Kai Chou sees the world very differently from the rest of us. But similar to all of us, he thought about what his typical day was like and realized it was divided into two parts: what he had to do (work) and what he wanted to do (play).

His vision… Read the rest

AFSA Board of Directors Changes
Mar 06, 2018

The AFSA Board of Directors has unanimously approved the election of Gary McQuain to the AFSA Board of Directors. He is replacing Bob Bloom on the Board. Bob will remain on the Executive Committee until September 30, 2018.

McQuain is currently… Read the rest

AFSA Comments on New York City Proposed Rules for Secondhand Auto Dealers
Feb 28, 2018

On February 28, AFSA submitted a comment letter to the New York City Department of Consumer Affairs regarding the Department’s proposed rulesfor secondhand auto dealers. The proposed rules would implement Local Laws 197 and 198 of… Read the rest

Mulvaney Jabs Warren for Lack of ‘Civil Discourse’ in Payday Loan Debate
Feb 26, 2018

Mick Mulvaney, acting director of the Consumer Financial Protection Bureau (CFPB), sent a letter to Sen. Elizabeth Warren (D-Mass.) defending himself against accusations that the bureau's actions on payday lending curbs under hisRead the rest

Compliance Considerations: Federal Reserve Board Seeks Comments on Reg. M Proposed Rule
Feb 15, 2018

Philip Bohi, VP Compliance Education

On January 3, 2018, the Federal Reserve Board (“Board”) issued for public comment a Proposed Rule affecting Consumer Leasing Regulation M (“Reg. M”). But, you may observe,… Read the rest

Preparing for your state exam: experts offer pragmatic advice
Feb 15, 2018

Some state examiners feel that multi-state exams are a more efficient process today than they were several years ago. The question is: are they better for industry? Some say worse; others say better. But all agree, there are still some drawbacks… Read the rest

1 144 145 146 147 148 149 150