In their 2016 white paper, the RMA recommended a number of self-regulatory options such as the adoption of standardized industry best practices to ensure that secondary market sales transactions "preserve data and document integrity" about the sales transaction at the "point of the sales" to avoid the imposition of more governmental regulations. This includes the consumer's full name, address, Social Security number or other government issued identification number as well as copies of the contract, unpaid balance, "with a breakdown of the post-charge-off balance, interest, fees, payments, and creditor/owner authorized credits."