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クレジットカードの貸倒償却:腕力ではなく知力による債権回収

Credit Card Charge-off Collections Takes Brains not Brawn

発行 Mercator Advisory Group, Inc. 商品コード 906606
出版日 ページ情報 英文 22 Pages, 11 Exhibits
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=109.42円で換算しております。
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クレジットカードの貸倒償却:腕力ではなく知力による債権回収 Credit Card Charge-off Collections Takes Brains not Brawn
出版日: 2019年08月14日 ページ情報: 英文 22 Pages, 11 Exhibits
概要

当レポートでは、米国のクレジットカード債権回収の動向を調査し、米国FDCPA (公正債権回収法) の最新動向、クレジットカードのエイジング (債権回収における時系列的調査) プロセス、破産動向・推移、貸倒償却率の推移・予測、クレジットカード債権回収におけるサードパーティ企業の重要性などをまとめています。

調査内容のハイライト

  • クレジットカードのエイジング (債権回収における時系列的調査)
  • 破産動向・推移
  • 米国の回転債務の動向・予測
  • 米国のクレジットカード貸倒償却率の推移・予測
  • 回収会社に委託されている米国の消費者口座の割合
  • サードパーティによる回収に影響を及ぼす規制管理
  • 回収に関する顧客の苦情:タイプ別
  • 回収プロセスフロー

掲載企業の例

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

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
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