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Arizona’s proposed bill makes clear that EWA services are not considered to be loans or money transmissions, and voluntary tips or gratuities are not finance charges. Reporting a consumer’s nonpayment to a consumer reporting agency or debtcollector. Each proposal is discussed below.
Debtcollectors sometimes have a bad rap, but the truth is that they provide an important service to society so long as their practices are ethical in nature (i.e. Debt collection can be further broken down by industry as well as by type of collection service. they’re not threatening to break your kneecaps if you don’t pay).
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