Topic archive

Digital Debt Collection

Research and practical notes filed under this topic.

February 1, 2025

Digital Debt Collection and Regulation F: An Omnichannel Guide

Digital debt collection uses coordinated channels such as telephone, email, text messages, and secure self-service tools to communicate about an account. For consumer-debt collectors, an omnichannel program must be designed around the Fair Debt Collection Practices Act and Regulation F, including channel-specific communication controls, consumer preferences, and validation-notice requirements.

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January 5, 2021

Omnichannel Collections: A Compliance-First Operating Model

Omnichannel collections coordinates permitted phone, email, text, mail, and self-service interactions from a single account record. A sound program uses that shared record to honor communication restrictions, maintain accurate history, and apply controls before a contact is sent rather than simply increasing outreach volume.

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