Maricopa Community Colleges  CSI114   20014-20084 
Official Course Description: MCCCD Approval: 02/26/08
CSI114 20014-20084 LEC 3 Credit(s) 3 Period(s)
Bankcard Industry Regulations/Procedures
Regulations and procedures applicable to the bankcard industry. Covers the Fair Debt Collection Practices Act. Includes procedures for using the First Data Resources (FDR) system. Also covers procedures for special handling accounts and delinquencies.
Prerequisites: None.
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MCCCD Official Course Competencies:
 
CSI114   20014-20084 Bankcard Industry Regulations/Procedures
1. Explain use of the Fair Debt Collection Practices Act (FDCPA). (I)
2. Define community property. (I)
3. Demonstrate procedures for navigating in the First Data Resources (FDR) system. (II)
4. Identify and describe fields on the customer service screens. (II)
5. Summarize procedures for updating cardmember information. (II)
6. Review and add memos to cardmember accounts. (II)
7. Determine action entries, promise dates, and work dates. (II)
8. Summarize cardmember search procedures. (II)
9. Explain reasons for delinquency. (III)
10. Differentiate between event delinquency and consumption delinquency. (III)
11. Differentiate between open-ended and closed questions. (III)
12. List various sources of money. (III)
13. Demonstrate procedures for sending and deleting letters. (IV)
14. Describe procedures for handling bankruptcy issues. (IV)
15. Describe the Payment Hold process. (IV)
16. Demonstrate procedures for manual account maintenance. (IV)
17. Describe the settlement process. (V)
18. Explain procedures for using adjustments in the collection process. (V)
19. Demonstrate procedures for navigating and retrieving information using the email and Intranet systems. (VI)
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MCCCD Official Course Outline:
 
CSI114   20014-20084 Bankcard Industry Regulations/Procedures
    I. Fair Debt Collection Practices Act (FDCPA)
        A. History
        B. Use
          1. Acquisition of Location Information
          2. Communication in Connection with Debt Collection
          3. Harassment or Abuse
          4. False or Misleading Representations
          5. Unfair Practices
          6. Debt Validation
          7. Multiple Debts
          8. Debt Collector Legal Action
          9. Furnishing Certain Deceptive Forms
          10. Relation to State Laws
        C. Community Property
          1. Definition
          2. States
          3. Regulations
      II. First Data Resources (FDR)
          A. Navigation
          B. Customer Service
            1. Screens
            2. Fields
            3. Procedures
          C. Account Updates
          D. Status Codes
          E. Memos
          F. Action Entries
          G. Promise
          H. Work Dates
          I. Statements
          J. Searches
        III. Delinquency
            A. Event vs. Consumption
            B. Questioning Techniques
              1. Fact Finding
              2. Open-Ended Questions
              3. Closed Questions
              4. Statements vs. Questions
            C. Money Sources
              1. Payroll Advance
              2. Insurance
              3. Friends/Relatives
              4. Debt Deferment
              5. Savings
              6. Saving Bonds
              7. Public Assistance
              8. 401K
              9. Unemployment
              10. Community Agencies
              11. Vacation Pay
              12. Tax Refund
              13. Stocks and Bonds
          IV. Special Handling
              A. Letter Request
              B. Letter Delete
              C. Deceased
              D. Bankruptcy
              E. Debt Counseling
              F. Incarceration
              G. Natural Disasters
              H. Checks
              I. Lost, Stolen, Never Received
              J. Payment Hold
              K. Manual Accounts
            V. Settlement Process
                A. Adjustments
                  1. Over Limit (OCL) Fees
                  2. Late Fees
                  3. Finance Charges
                B. Negotiations
                  1. Procedures
                  2. Goals
                C. Codes
                  1. Alpha/Batch
                  2. Transaction
                D. Fees
                E. On-Line Procedures
                  1. Account access
                  2. Account Verification
                  3. Screens
                  4. Transactions
                  5. Codes
                F. Reinstatement
                  1. Criteria
                  2. Process
              VI. Communication Systems
                  A. Intranet
                    1. Policies
                    2. Procedures
                  B. E-Mail
                    1. Policies
                    2. Procedures
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