Topic archive
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December 2, 2025
Collection-agency records can support better operations, compliance oversight, and carefully designed analytics, but they are not automatically a transferable data asset. Any secondary use, sale, or vendor access involving consumer information or call recordings needs a documented review of rights, data security, privacy rules, contracts, retention duties, and applicable state law.
Read the analysisNovember 13, 2025
AI can help collections teams prioritize work, standardize approved workflows, and surface items for review, but it does not remove the need for accountable human oversight. This guide explains practical controls for scoring, communication workflows, validation and dispute routing, and AI governance in U.S. consumer debt collection.
Read the analysisJanuary 12, 2025
AI-originated loans do not call for an automatic recovery protocol. This guide explains how lenders can assess whether a charged-off portfolio is sale-ready, evaluate buyers, protect documentation and data, and understand the federal consumer-protection scope.
Read the analysis