2021.12.03 09:43 UInt86 Dont' know why but scammer are going o have a field day with this.
Debt collectors are now allowed to contact Americans on social media and by text message, according to new rules enacted by a US agency this week.
The rule from the Consumer Financial Protection Bureau (CFPB) opens the door for creditors to slide into the DMs of millions of Americans who have loans.
Critics say the messages could be lost online or lead to invasions of privacy and a proliferation of new scams.
Advocates say the change is a simple update to rules created in the 1970s.
The change, which was approved by the CFPB last year under the Trump administration, requires creditors to contact defaulters privately - meaning they can send direct messages but not post on your public-facing page.
Consumers can opt out of these messages, but creditors do not need permission to contact people. There are no rules for how many messages they are allowed to send.
Lenders had argued that the change was needed, given that the Fair Debt Collection Practices Act, which regulates the industry, became law in 1977 - long before the creation of social media and cell phone texts.
The rule also creates a new limit for phone calls. Seven calls can be made each week for any particular debt, but people with multiple debts may still be called dozen of times each week.
Debt collectors are also limited from contacting any consumer by phone within one week of speaking to them about a specific debt.
Mark Neeb, CEO of the debt collector trade group ACA International, said in a statement that the change represents "a small step forward in modernising communications with consumers".
Critics say the option creates new ways for communications to go amiss, especially given that some people lack constant access to the internet. Messages about overdue bills, though private, could still be sent to the wrong person.
Around one-third of Americans who have had a credit report have a debt that has been sent to a collection agency, according to CBS News, meaning the rule could affects tens of millions of people.
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2021.12.03 09:43 planistar Tell me ER dev team has a favorite, without telling me ER dev team has a favorite.
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2021.12.03 09:43 lss_mobile_3358 LssTest-TextPost-55678
2021.12.03 09:43 investorinvestor 3 Dec 2021 | Value Investing Substack NEWS - Grab officially listed on the NASDAQ, Berkshire’s Munger Says Now ‘Even Crazier’ Than Dotcom Bust, US Congress Narrowly Avoids Govt Shutdown, US CEO's unload shares, Omicron Omicron Omicron
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2021.12.03 09:43 Raantas1 [Fastrack] Does it look feminine?
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2021.12.03 09:43 BadaB00mBabay Участницы фитнес-группы из Австралии сорвали в лотерее общий джекпот. Каждой досталось почти по полтора миллиона. Тетеньки из Перта сжигают жиры после работы в одном зале. Эта сплоченная команда любительниц пончиков и пирожных насчитывает 55 человек.
На днях их инструктор предложила: "Девки, сыграем в Powerball! Гоните каждая по пять долларов!"
У одной в карманах нашлось только три. Еще два она насобирала укатившимися когда-то монетками с пола своей машины.
Они выиграли 80 миллионов. Сейчас в Перте, наверно, начался форменный геноцид пончиков и пирожных. Несчастных топят в реках шампанского.
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2021.12.03 09:43 PM_ME_ENORMOUS_TITS [Homemade] Two-layered, dairy-free chocolate cake!
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2021.12.03 09:43 jdusher Day 38 and she already has roots popping out the side f the pot
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2021.12.03 09:43 hmmm_irl woof irl
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2021.12.03 09:43 basquiatthomas Fifa 21
2021.12.03 09:43 Ozpinions Dispensary order
Coming in today from my local dispensary I have 4gs and 3 500mg carts 1g silver sunshine 1g milkbone 1g Kool grapes 1g mint chocolate chip 1cart fade 1cart strawberry cough 1pax pod Maui wowie Can’t wait it will be delivered by noon
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2021.12.03 09:43 cbvv1992 🔥50% Off Code – $64.99 10inch Wi-Fi Digital Picture Frame 1920x1080 IPS Touch Screen, Built in 16GB Memory
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2021.12.03 09:43 VioletOrchid85 Who likes HeroQuest? Part two
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2021.12.03 09:43 NewsElfForEnterprise 2 Monster Growth Stocks Set to Beat the Market (Again) in 2022
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2021.12.03 09:43 NobCrypto La comunidad criptográfica responde a la llamada de Charlie Munger sobre Bitcoin
2021.12.03 09:43 Unfair-Ad9215 I think I might be genderfluid
So ever since I was little I've always thought about being a girl. When I was in middle school I started thinking about dressing like a girl and for years I've fantasized about dressing up and having a girl voice and stuff like that. This might sound stupid, but I remember watching naruto and seeing him able to transform himself into a girl with his Jutsu and envying that. I've thought about maybe being trans for a while now, but very recently I finally had access to girl clothes, as I'm now 18 and have a pretty good job and my own car etc. when I dress up it feels so nice and I love the feeling of being a pretty girl. But the thing is, I don't always want to be a girl. I could never fully transition because some days I just feel like being a guy. I always just thought I had a kink for cross dressing but it's more than a sexual thing. I just feel nice walking around and dressing as and being a girl. I haven't talked to anyone about it, but I plan on talking to my best friend about it soon, I just haven't been able to because we've both been so busy with our adult lives. Do you guys think I might be genderfuild or am I just a crossdresser and I'm overthinking it?
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2021.12.03 09:43 Necessary_Author_308 🥇Baby Satoshi Token🥇 Stealth launch 10 Minutes | 🚨 Fair launch | Join Us !! | Liquidity locked | Great Community 🦾 💎
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2021.12.03 09:43 Veela_42 Daily Adora #145
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2021.12.03 09:43 KennyHikes 211202 - [TRIPLE] (ENG SUB) Kwon Eunbi & Kang Hyewon Instagram Live (2 more in comment)
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2021.12.03 09:43 Sad_Deer13 I'm tired of inconsistent leadership
One day you get yelled at for resorting a bag to get a box in there "just close that, it's slowing you down!" And the next you get yelled at for closing an almost full bag when a large box was supposed to be stowed into it.
Five people tell you to always walk and check the other aisles near you in case the buffers are full, then suddenly you're not allowed to leave your aisles unless the line lead asks you to.
You're trained to drag two bags to the cart for pick/stage then suddenly you're not allowed to do that "for safety reasons" but it's fine to drag three of them from the buffer to the picking lane.
I mostly like this job but it's things like this that make it annoying
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2021.12.03 09:43 kraz36 Please forgive my ignorance but…
What can cause a loud ticking noise when first starting up? Not from engine and sounds like it’s more inside the vehicle, like in the dash. Thought it might be bad battery but it turns over and starts normal otherwise, not slow. First vehicle I had that does that. 03 Trailblazer EXT
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2021.12.03 09:43 porichoygupto My son asked me, “Can we watch SpiderMan Far Away from home?”
2021.12.03 09:43 West_Activity_9730 NT and ND communication: how can we make it work respectfully for both? IDEAS GO!
2021.12.03 09:43 F4rthD3v1l Which server to pick from Australia?
2021.12.03 09:43 _pickachu_007 Yeh manhua wale kya fook rahe aaj kl ?
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