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Cruisin’ to Collections 2016

July 10, 2016 - July 13, 2016


Cruisin’ to Collections is a student financial services conference with a blend of Regulatory and Policy Compliance, Trending Issues, Collection Techniques, Campus Safety and Self-Wellness

When:      July 10-13 2016

Where:    Treasure Island Hotel Casino Las Vegas, NV


Sunday, July 10
7:00-9:00 Welcome Networking and Cocktail Reception
Monday, July 11
7:30-8:00 Continental Breakfast & Registration
8:00-8:15 Opening General Remarks
8:15-9:15 Unfair, Deceptive, Abusive Acts or Practices (UDAAP’s) – Compliance for Creditors

Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (DoddFrank Act), all covered persons (This means you) are legally required to refrain from committing unfair, deceptive, or abusive acts or practices. UDAAP’s largely mirror the regulatory verbiage found in the FDCPA and in some cases the Bureau has even gone further than FDCPA guidelines. Of the more than 40 enforcement matters that the CFPB has made public so far, half have alleged violations of the UDAAP provision of the Dodd-Frank Act. These actions resulted in restitution to consumers totaling more than $1.7 billion, as well as civil money penalties totaling more than $142 billion. We will discuss provisions of the act, a comparison to the FDCPA and common mistakes creditors make so you can understand what is required to be compliant.

Scott Holmquist
Second Alliance, Inc.
9:15-10:15 Title IV Refunds and 1098-T Reporting Changes
a) Refunds
. We will cover the new cash management rules and how they impact a school’s refund disbursement process. The session will cover what led to the new rules, the Tier 1 and 2 rules schools need to be aware of.
b) Reporting Changes. The IRS mandated that schools begin reporting Box 1 (payments) on 1098-T tax statements rather than Box 2 (amounts billed) starting with the 2016 tax year. This is a massive change as it is estimated 85% of schools in higher education report in Box 2. Having to make this change is a huge burden on a school’s IT staff, as they need to update their systems to properly track payments going toward qualified tuition and fees. The community is anticipating word from the IRS soon as to whether or not this new requirement will be delayed by a year. We will discuss implementing necessary changes given both scenarios.
Christopher Stompanato
Senior Sales Engineer
Heartland, ECSI
10:15-10:30 Break
10:30-11:30 FCRA – Accurate Reporting and Handling Disputes

If you (or your billing servicer) report information about consumers to a Credit Reporting Agency, you are considered a “furnisher” of information under the FCRA. You have an obligation to supply fair and accurate credit reporting and risk liability if you do not. We will discuss:

  • Responsible and Accurate Reporting
  • Common Mistakes in Reporting Delinquencies
  • Verbal and Written Disputes
  • Conducting a Reasonable Investigation
  • Written Policies and Procedures
  • Frivolous or Irrelevant Disputes
  • Liabilities
June Coleman
Attorney at Law
Kronick, Moskovitz, Tiedemann and Girard
11:30-12:00 CFPB – Update

The Consumer Financial Protection Bureau continues to focus on the student loan market. Get the latest information on actions by the bureau, rulemaking efforts and projections for the future. We’ll discuss the bureau’s opinions on private student loans, loan modifications and what they perceive as predatory lending practices.

12:00-1:00 Lunch
1:00-2:00 Clearinghouse – Tacking your borrower

The National Student Clearinghouse is the nation’s trusted source for education verification and student educational outcomes research.  The Clearinghouse serves the education community by facilitating the exchange and understanding of student enrollment, performance and related information through our unique combination of Financial Aid Services, Research Services, Transcript Services, and Verification Services. Learn more about information the Clearinghouse provides and how to maximize their service at this session.

Ron Phillips
National Director, Higher Education Development
National Student Clearinghouse
2:00-3:00 Making Institutional Loans – A-Z Compliance

Whether you’re deciding on offering a new Institutional Loan or want to revisit compliance on your existing loan procedures you’ll find the information here. A step by step look at originating Private Campus Institutional Loans including Disclosures, Issuing Loans and Compliance.


Initial offering – 1st disclosure – 30 day notice – 3 day notice

Issuing Loans:

Borrower self-certification – Promissory notes


Truth in Lending Act – Regulation Z – FACT Act – CFBB Checklist

Mary Anne Lower
Associate Director
Student Business Services
University of the Pacific
3:00-3:15 Break
3:15-4:00 Collectors Toolbox – Student Portal, Telephone, Mail, Text, Email, Social Media

A best practices session on the collection methods at your disposal. Maximizing your recovery efforts begins with defining how and how not to use your different methods of communication. Let’s examine how to increase your effectiveness with these tools and how to sharpen a clear and concise communication.

Scott Holmquist
Second Alliance, Inc.
4:00-5:00 Collection Avenues – Payment Plans, Cures, Arrearages, Consolidation, Rehabilitation and Litigation
It’s important to have sound knowledge in each of these collection avenues. It improves the recovery for your school, the decision making ability for your student and they are the foundation of a well-defined policy and procedure manual. We’ll discuss these avenues in detail, the ways you can use them to work with your delinquent student and to implement them into working procedures
Scott Holmquist
Second Alliance, Inc.
6:30 Dinner
Tuesday, July 12
7:30-8:00 Continental Breakfast
8:00-8:15 Opening General Remarks
8:15-9:15 Campus Mental Health – Students in Distress
Just as you depend on other departments for outreach in your efforts, your mental health department may look to you as a ‘first-responder’ to:

  • Listen for symptoms of students in distress
  • Respond to needs ‘appropriately’ and act as a liaison
  • Empathize and reinforce help seeking behavior
  • Recognize behaviors from ‘Immaturity to illness’
Jamie Davidson, Ph.D.
Associate Vice Pres. for Student Wellness
Licensed Psychologist
University of Nevada, Las Vegas
9:15-10:15 Financial Literacy II – Getting Your Plan Moving
You’ve probably attended programs on Financial Literacy in the past but does your school have a functioning and effective Financial Literacy program that is supported campus-wide? Getting a plan started and obtaining cross-department partnership and upper management buy-in may be the hardest pieces to the puzzle.
In this session, ‘Getting Your Plan Moving,’ you’ll leave with a Financial Literacy Toolkit that will provide you with the tools and guidance you’ll need to get your plan started and moving forward. During the session we’ll discuss the components of the toolkit and show you how to use them effectively.
Your toolkit will include:

  • An overview of effective program traits for discussion
  • Financial literacy topics to select from
  • Communications templates for:
    • Upper management buy-in
    • Department outreach
    • Responding to the “NO’s”
    • Outside vendors who are already providing services to your campus
  • A list of effective student outreach techniques
  • The Resource Vault: Workshops, Webinars, Games, Videos and Academic Programs
Ruth Sharp
California Institute of Technology
10:15-10:30 Break
10:30-11:30 Department of Education Update

Brian Smith from the Department will discuss the following:

  • Appropriations and Budget
  • Recent Legislation
  • Regulatory Activity
  • ED Initiatives
  • Perkins Loan Issues and Program Update 
  • Electronic Announcements/DCLs
  • ED Resources
Brian Smith
Department of Education
11:30-12:00 Trending Topics – Roundtable Discussion

There are many hot-button issues this year and we’ll reserve this time to discuss the latest and most pressing of those issues. The agenda will be driven your questions. Some of the topics may include: 1098-T’s, IRS extensions, Perkins Loans, Budgets and E-communications.

12:00-1:00 Lunch
1:00-2:00 Managing Your In-House Collection Team – Making it Fun

How do you manage your team and ‘make it fun’ all while keeping production levels up? In this panel discussion, managers with expertise will share their experiences, both good and bad, and discuss what worked for them and what didn’t. This is a great opportunity to share your own experience as a university collection professional and draw from the experience of others.

2:00-3:15 Collections Karate 2016

Collections Karate is a technique of using rules of influence and motivation in a conversation to counteract aggressions or defenses in order to gain compliance and cooperation. Debt collection by its very nature is combative. It confronts an obstacle between a student and the university and doing it with millennials doesn’t make it any easier. As you know, millennials can be anything from hyper-sensitive and fragile to argumentative or narcissistic. The ultimate goal is to help your student get back into alignment with their financial responsibility. We’ll focus on the art of the conversation and understanding millennials.

Scott Holmquist
Second Alliance, Inc.
3:15-3:30 Break
3:30-4:15 Perkins 2016 – Navigating the Changes and Discussing the Future of Perkins Lending:

Perkins Died in September 2015 but then it was brought back to life temporarily through the Perkins Loan Extension Act. There are changes to this Zombie program and Perkins still needs to be reauthorized. This session will highlight those changes including the additional disclosure requirements and we will take a look into the future – with or without Perkins and what each campus can do to help the students in need!

Mark Goodman
Director of Education
Second Alliance, Inc.
4:15-5:00 Perkins – Charging the Fund

In this time of reduced staff and cuts in the budget have you taken advantage of the benefits that the Perkins Program offers to help the school administer the program? Are you paying for services that the Fund is set up to cover? This session will expand your Perkins knowledge, help ease the pressure on your budget and open doors to tools that you and your staff can reap benefits by utilizing. You will discover the tools larger schools have used for many years and return to campus with a better understanding of options to enhance your job and expand your budget!

*We will also cover how some of these same benefits can be applied to your Health Profession and Nursing Programs.

Mark Goodman
Director of Education
Second Alliance, Inc.
Wednesday, July 13
7:30-8:00 Continental Breakfast
8:00-9:00 Active Shooter Survival Workshop

This course provides guidance to individuals, including managers and employees, so that they can prepare to respond to an active shooter situation. The presentation covers the three steps for increasing your chance of surviving an active shooter: Run, Hide and Fight.

By the end of this course, you will be able to:

Describe actions to take when confronted with an active shooter and responding law enforcement officials.
Recognize potential workplace violence indicators.
Describe actions to take to prevent and prepare for potential active shooter incidents.
Describe how to manage the consequences of an active shooter incident.

Scott Holmquist
Second Alliance, Inc.Members of Local Law Enforcement
9:00-10:30 Red Cross First Aid

Covering a wide range of medical emergencies, this course on First Aid/CPR/AED will help participants recognize and respond appropriately to cardiac, breathing and other first aid emergencies and provide skills that participants need to know to give immediate care to a suddenly injured or ill person until more advanced medical personnel arrive and take over.

Marie Tasker
Red Cross
10:30-10:45 Break
10:45-12:15 Self-Defense Training

This informative and exciting self-defense course is presented by James Miranda, owner of Excel Defense Studios and his team of Defensive Tactics Instructors. James is a former North Las Vegas police officer, Certified Level 1 CrossFit Instructor, Master Defensive Tactics Instructor, Women’s Self Defense and MMA Instructor. This course is designed to teach simple yet highly effective techniques to help you escape and/or stop a violent attack, emphasizing on skills that improve the student’s ability to defend against a larger opponent. Each person participating in this training will achieve a new level of awareness of their surroundings and confidence in their ability to defend themselves.

James Miranda
Excel Defense Studios
12:15 Closing Comments – Conference Concludes



  • Clearinghouse – Tracking your borrower
  • FCRA – Handling Disputes
  • Making Institutional Loans – A-Z Compliance
  • FDCPA and UDAAP (Dodd-Frank) – Compliance for Creditors
  • Financial Literacy II – Getting Your Plan Moving
  • Campus Mental Health – Students in Distress
  • Department of Ed – Update
  • CFPB – Update
  • Title IV Refunds
  • Perkins 2016 – Navigating the Changes and the Future of Perkins Lending
  • Perkins – Charging the Fund
    • a) Program Participation – 34 CFR 674.8
    • b) Costs Chargeable to the Fund – 34 CFR 674.47
    • c) Administrative Cost Allowance – 34 CFR 673.7
  • Active Shooter Workshop + Red Cross First Aid + Self Defense Class
  • Collectors Toolbox – Student Portal, Telephone, Mail, Text, Email, Social Media
  • Collection Avenues – Payment Plans, Cures, Arrearages, Consolidation, Rehabilitation, Litigation
  • Collections Karate 2016 – Language Techniques for Today’s Generation
  • Managing Your In-House Collection Team – Making it Fun

Why should you attend?

  • Keep up to date with trending topics and regulatory changes
  • Network with your colleagues and industry professionals
  • Enhance your professional development
  • Acquire new skills and perspectives to share and implement

Who should attend?

  • Perkins Loans Managers
  • Receivables Managers
  • Student Loan/Account Collectors
  • Cashier
  • Bursar
  • Concierge
  • Business Managers
  • Controller


Conference Reimbursement Program

Receipts may be submitted for reimbursement and Second Alliance will collect on non-federal debts and return the gross amount of payments until the commissions equal that of the reimbursement up to $500.00!

Attention Speakers

We’re looking for dynamic speakers so if you’re interested and would like to discuss the opportunity please contact us. There is an honorarium for all presenters and at any Conference or Workshop you’ll receive complimentary hotel accommodations, conference registration along with discounts for your guest.


July 10, 2016
July 13, 2016
Event Category:


Treasure Island Hotel Casino Las Vegas, NV