Topic archive
Research and practical notes filed under this topic.
December 22, 2025
Right-party contact (RPC) improves when collection teams verify contact data, use trustworthy caller identification, and coordinate channels without treating outreach volume as the goal. For consumer debt collection, a durable approach pairs operational measurement with controls for Regulation F, electronic communications, consumer preferences, and applicable state and federal law.
Read the analysisDecember 9, 2025
Debt collection call scripts should guide accurate, respectful conversations and direct agents to pause when a consumer raises a dispute, contact restriction, attorney representation, or other issue requiring review. This framework explains a federal baseline for debt collectors, safer conversation modules, and the limits that require state-specific and counsel-approved controls.
Read the analysisJanuary 18, 2025
FDCPA, TCPA, FCRA, and UDAAP govern different parts of consumer-debt operations: collection communications, certain calling and texting practices, credit reporting, and broader consumer-protection conduct. This federal overview explains the scope of each framework, the operational questions to ask, and why state-law and fact-specific legal review still matter.
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