U.S. Supreme Court Holds Debt Purchaser Not Subject to FDCPA

Licensing

Note-on-Note Financing Explained: Borrowing Against Your Notes

Note-on-note financing is how note investors recycle capital without selling. The facilities are lightly licensed by name, but regulated at every edge.

Licensing

Buying Mortgage Notes From Banks: How It Works and What to Check

Banks sell notes to manage capital and clean up balance sheets. Buying them is the easy part; the diligence and the licensing plan are what separate professionals.

Licensing

Performing vs Non-Performing Notes: The Compliance Difference

The price discount on non-performing notes is compensation for work, and much of that work is regulated. Here is how the licensing analysis splits between the two.

Debt Collection & Buying

Beyond the Collection License: When Debt Buyers Need Lender or Servicer Licenses

Why a Collection License Isn't Always Enough For decades, debt collection firms have assumed that once you have a collection agency license, you're cleared to operate. But the reality is more complicated. Regulators are increasingly looking at what kinds of debt you collect and how you collect it. Depending on your portfolio and practices, you [...]

Licensing

Understanding Insurance: How to Best Protect Your Collection Business

The global cyber insurance market is expected to grow by 25 percent in the next six years. That indicates the serious risk your business faces from surging cyber threats and data breaches. Do you operate a collection agency, and you want to ensure you have the right insurance coverage? Understanding insurance coverage options can help [...]

Licensing

Understanding Surety Bonds in the Financial Services Industry

Surety bonds are a fundamental tool used within the financial services industry for licensing and permitting processes. This article delves into the concept of surety bonds, how they differ from insurance, and their significance in obtaining licensing. An Overview of Surety Bonds A surety bond is a risk management tool, a contractual agreement involving three [...]