Topic archive
Research and practical notes filed under this topic.
December 9, 2025
RMAI’s Certified Receivables Business designation is a private industry certification that can demonstrate a structured approach to receivables-management standards. This guide explains the current CRB path, the CCO and audit requirements, and why certification does not replace federal, state, licensing, or consumer-rights obligations.
Read the analysisJanuary 19, 2025
Buying distressed receivables can create a claim to future payments, but it is an operating-intensive business rather than a passive yield product. This guide explains how portfolio diligence, documentation, consumer protections, and jurisdiction-specific compliance shape the risks.
Read the analysisJanuary 18, 2025
Accounts receivable recovery is shaped by credit conditions, the quality of the payment and dispute process, and the controls around automated decisions. This practical outlook separates commercial-invoice operations from consumer-debt compliance and explains how teams can turn external signals into a measured recovery plan.
Read the analysisJanuary 18, 2025
RMAI's Certified Receivables Business designation is an industry certification for debt buying companies, not a government license or a determination that every collection activity complies with the law. This guide explains what the current program evaluates, the published certification steps, and why federal and state obligations still require separate analysis.
Read the analysisJanuary 18, 2025
Schools considering a sale of unpaid tuition and fee receivables should first determine whether the accounts are transferable and whether student information can be shared lawfully. This guide compares a portfolio sale with agency placement and identifies the privacy, consumer-protection, contract, and public-sector questions that need review before a transaction.
Read the analysisJanuary 10, 2025
Debt portfolio liquidation works best as a controlled process: verify account-level facts, segment accounts, choose an appropriate servicing or sale path, and preserve compliance evidence. This overview explains practical controls for U.S. consumer-debt portfolios without treating recovery or legal action as a guaranteed outcome.
Read the analysisApril 24, 2015
Voluntary industry certification can support stronger debt-buying controls, but it is not a substitute for applicable law, licensing, contractual duties, or disciplined operations. This article outlines a practical, risk-based framework for evaluating legal scope, account data, consumer communications, vendors, and quality assurance before treating any certification as one part of a broader compliance program.
Read the analysis