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市场调查报告书

信用卡的销帐:不靠腕力而以智力的债权回收

Credit Card Charge-off Collections Takes Brains not Brawn

出版商 Mercator Advisory Group, Inc. 商品编码 906606
出版日期 内容资讯 英文 22 Pages, 11 Exhibits
商品交期: 最快1-2个工作天内
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信用卡的销帐:不靠腕力而以智力的债权回收 Credit Card Charge-off Collections Takes Brains not Brawn
出版日期: 2019年08月14日内容资讯: 英文 22 Pages, 11 Exhibits
简介

本报告提供美国的信用卡债权回收趋势调查,美国FDCPA (公正债权回收法)的最新趋势,信用卡的老化 (债权回收的时间序列的调查) 流程,破产趋势、转变,销帐率的变化、预测,信用卡债权回收的第三方企业的重要性等汇整资料。

调查内容的亮点

  • 信用卡的老化 (债权回收的时间序列的调查)
  • 破产趋势、转变
  • 美国的旋转债务趋势、预测
  • 美国的信用卡销帐率的变化、预测
  • 回收公司托付的美国的消费者户头的比例
  • 影响第三方回收的法规管理
  • 回收相关客户的申诉:各类型
  • 回收流程

刊载企业范例

  • ACI Alorica
  • Banco Bradesco
  • Citi
  • Encore Capital Group
  • Equifax
  • Experian
  • Expert Global Solutions
  • FICO
  • NCO
  • Portfoliio Recovery Associates
  • PRA Group
  • TransUnion
目录

Tightening credit management: third party collections augment bank card issuers' strategies to control loss

Mercator Advisory Group's New research report explains the importance of third-party collection agents and proposed new regulatory updates.

The Consumer Finance Protection Bureau is in the process of modernizing the Fair Debt Collection Practices Act (FDCPA), which is an appropriate move for the credit card industry. It is the perfect time for credit card issuers to consider their current collections strategies while the economy is performing well. Mercator Advisory Group's latest research report, Credit Card Charge-Off Collections Takes Brains not Brawn The report explains the importance of third-party collection agents and why proposed regulatory updates are appropriate for the U.S. credit card business.

Readers will learn how the credit card aging process works, why third-party agencies help manage financial institution account overflow, and how the FDCPA creates guard rails for the industry.

"The timing of the original Fair Debt Collection Practices Act was perfect. Revolving debt in the U.S. hit $50 billion," comments the author of the research report, Brian Riley, Director, Credit Advisory Service at Mercator Advisory Group. "Today, the U.S. credit card market has more than $1 trillion of revolving debt. Loss rates are at normal levels, yet more than 1 million U.S. cardholders end up at collection agencies each year. FDCPA was born in a world before cellphones, email, and texts. FDCPA 2.0 addresses all these functions and curtails litigation in zombie debt. Both are appropriate next steps," says Riley.

This research report contains 22 pages and 11 exhibits.

Companies and other organizations mentioned in this research report include: ACI Alorica, Banco Bradesco, Citi, Encore Capital Group, Equifax, Experian, Expert Global Solutions,FICO, NCO, Portfoliio Recovery Associates, PRA Group, TransUnion

One of the exhibits included in this report:

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Highlights of the research report include:

  • A thorough explanation of credit card aging
  • Bankrupcy trends (2006-2019F)
  • Revolving debt trends in the U.S. (1968-2027F)
  • Charge-off rates for U.S. credit cards (2006-2023F)
  • Percentage of U.S. consumer accounts placed at collection agencies (2006-2018)
  • Regulatory controls impacting third-party collections
  • Customer complaints about collections by type
  • Collection process flow
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