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PCA Procedures Manual (Mar. 15, 2019)

This document describes the procedures and policies for private collection agencies (PCAs) to collect federal defaulted student loans and grants overpayments under the U.S. Department of Education's Federal Student Aid (FSA) collections contract.

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Vt. Dept. Fin. Reg. Letter to FlexWage (Apr. 4, 2024)

A 2024 opinion letter from the Vermont Department of Financial Regulation, stating that a particular earned wage advance provider, FlexWage, did not need a lender license or a money transmitter license, where it contracted directly with employers and integrated its program with the employer's payroll and other data, and the employer rather than the provider funded the advances.

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Memorandum Asking Court to Stay Case Pending Arbitration and Not Dismiss Case But Retain Jurisdiction

This memorandum by Florida attorney Robert Murphy filed in the federal district court for the Eastern District of Virginia requests that the case not be dismissed because of an arbitration requirement, but rather that the case be stayed pending arbitration by the American Arbitration Association, and that the court retain jurisdiction. The attorney was concerned that the defendant would not participate in the arbitration or that for other reasons the AAA would dismiss the case based on the defendant's conduct. In that case, the consumer seeks to be able to return to court to

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Attorney Declaration Concerning AAA Refusal to Allow Arbitration Based on Party's Conduct

This is a declaration by Florida attorney Robert Murphy filed in the federal district court for the Eastern District of Virginia concerning various grounds he has witnessed the American Arbitration Association use to refuse to arbitrate a case based on a business's conduct: failing to pay filing fees, failing to register the arbitration agreement, using an arbitration agreement that does not meet the AAA's due process protocols, and the business's conduct in past AAA arbitrations.

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Proposed Order to Stay Case Pending Arbitration and Not Dismiss, And to Require Parties to Participate in Arbitration

This proposed order by Florida attorney Robert Murphy filed in 2023 in the federal district court for the Eastern District of Virginia requests that the case be stayed pending arbitration by the American Arbitration Association, that the court retain jurisdiction in the case, and that the parties be required to participate in the arbitration. The attorney was concerned that the defendant would not participate in the arbitration or that for other reasons the AAA would dismiss the case based on the defendant's conduct.

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Letter from FTC Chair Jon Leibowitz to Rep. Spencer Bachus re CROA (Oct. 12, 2011)

This is a 2011 letter from the FTC Chair to a Congressman concerning the enforcement of the Credit Repair Organizations Act (CROA) and its impact on legitimate credit repair organizations. The letter discusses the advance fee ban in detail and finds partial payments for intermediate steps to be an evasion of the advance fee prohibition.

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FDIC 2024 Amicus Brief Re Colorado Opt-Out from Rate Exportation

This 2024 FDIC Amicus Brief in National Association of Industrial Bankers v. Weiser (D. Colo. Apr. 23, 2024) supports Colorado's legislation opting out of out-of-state, state banks' ability to export their home state rate caps to Colorado.