表紙
市場調查報告書

信用卡的銷帳:不靠腕力而以智力的債權回收

Credit Card Charge-off Collections Takes Brains not Brawn

出版商 Mercator Advisory Group, Inc. 商品編碼 906606
出版日期 內容資訊 英文 22 Pages, 11 Exhibits
商品交期: 最快1-2個工作天內
價格
Back to Top
信用卡的銷帳:不靠腕力而以智力的債權回收 Credit Card Charge-off Collections Takes Brains not Brawn
出版日期: 2019年08月14日內容資訊: 英文 22 Pages, 11 Exhibits
簡介

本報告提供美國的信用卡債權回收趨勢調查,美國FDCPA (公正債權回收法)的最新趨勢,信用卡的老化 (債權回收的時間序列的調查) 流程,破產趨勢、轉變,銷帳率的變化、預測,信用卡債權回收的第三方企業的重要性等彙整資料。

調查內容的亮點

  • 信用卡的老化 (債權回收的時間序列的調查)
  • 破產趨勢、轉變
  • 美國的旋轉債務趨勢、預測
  • 美國的信用卡銷帳率的變化、預測
  • 回收公司託付的美國的消費者戶頭的比例
  • 影響第三方回收的法規管理
  • 回收相關客戶的申訴:各類型
  • 回收流程

刊載企業範例

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

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:

image1

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
Back to Top