Debt Buyer Data Privacy: GLBA Safeguards and California CCPA
Debt buyers can face overlapping privacy obligations when they acquire or service consumer accounts, but coverage and exemptions are fact-spec…
Topic hub · 20 subjects · 38 articles
Compliance & Consumer Rights
Clear guidance on consumer collection protections, Regulation F compliance, dispute handling, statutory limits, and federal regulatory developments.
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Compliance as a Weapon FDCPA compliance Credit Card Debt Judgments TCPA ARM compliance Compliance & Consumer Rights Consumer Engagement FCRA
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Small ClaimsZombie DebtAi ComplianceConstruction lien rights vs collectionsConsumer Attorneyshow to buy credit card debtReg F compliance for chatbotsReg F FDCPA TCPA Compliance Frameworkright party contact strategiesStatutory Barred
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Subject
Compliance as a Weapon
OCC Consumer Debt-Sale Guidance: Scope, Duties, and Limits
The Office of the Comptroller of the Currency’s consumer debt-sale guidance explains how OCC-supervised banks should manage risk when selling…
Debt Collection Litigation: Compliance, Consumer Rights, and Enforcement
Debt collection litigation is a court process for resolving a claimed debt; filing a case is not proof of liability or a guarantee of recovery…
FDCPA, Regulation F, and TCPA: A Compliance Framework
The FDCPA, CFPB Regulation F, and TCPA overlap but do different work in consumer-debt communications. This federal overview explains how to ma…
Subject
FDCPA
Modernizing Debt Collection Rules for the Digital Era
Federal debt-collection rules now address email, text messages, and private electronic communications, but those tools do not displace core li…
First-Party Collections: Federal Rules and Compliance Limits
An original creditor collecting its own consumer accounts is not automatically a debt collector under the federal Fair Debt Collection Practic…
Debt Collection Call Scripts: A Compliance-First Framework
Debt collection call scripts should guide accurate, respectful conversations and direct agents to pause when a consumer raises a dispute, cont…
Debt Collection Compliance After the 2025 Regulatory Freeze
The January 2025 federal regulatory-freeze memorandum affected certain pending agency actions, but it did not displace the federal debt-collec…
Subject
compliance
e-OSCAR, Metro 2, and FCRA Dispute Review
Credit-reporting disputes require evidence-based review, not a response code or a generic match rule. This guide separates e-OSCAR and Metro 2…
Debt Collection Compliance in New York and California
New York and California add state-specific requirements that can change how a debt collector or debt buyer evaluates an account, communicates…
SCRA and Bankruptcy Compliance in Receivables Portfolios
Receivables operators must recognize when the Servicemembers Civil Relief Act (SCRA) or a bankruptcy filing changes what collection or litigat…
Subject
Credit Card Debt
Debt Re-Aging and Credit Reporting: What to Check
Debt re-aging generally describes an inaccurate change to the delinquency date that controls how long a collection or charge-off item may be r…
Managing Low-Balance Credit Card Accounts With a Segmented Collection Framework
Low-balance credit card accounts can be managed more responsibly when they are segmented by documentation quality, consumer status, channel pe…
How to Evaluate an Aged Debt Portfolio Before You Buy
An aged consumer-debt portfolio may carry a lower acquisition price, but account age alone does not establish collectibility, documentation qu…
Subject
Judgments
Debt Collection Litigation: Compliance, Consumer Rights, and Enforcement
Debt collection litigation is a court process for resolving a claimed debt; filing a case is not proof of liability or a guarantee of recovery…
Judgment Portfolio Analysis: Enforceability and Asset Depth
A judgment portfolio analysis reviews each court judgment separately to establish its status, the parties and documents involved, and the limi…
Collecting a Small Claims Judgment: A Careful Execution Guide
A small claims judgment establishes a right to payment, but collection usually requires a separate, court-authorized enforcement process. This…
Subject
TCPA
Improving Right-Party Contact in Debt Collection: A Compliance-First Guide
Right-party contact (RPC) improves when collection teams verify contact data, use trustworthy caller identification, and coordinate channels w…
Debt Collection Call Scripts: A Compliance-First Framework
Debt collection call scripts should guide accurate, respectful conversations and direct agents to pause when a consumer raises a dispute, cont…
FDCPA, TCPA, FCRA, and UDAAP: A Compliance Guide
FDCPA, TCPA, FCRA, and UDAAP govern different parts of consumer-debt operations: collection communications, certain calling and texting practi…
Subject
ARM compliance
Debt Collection Compliance in New York and California
New York and California add state-specific requirements that can change how a debt collector or debt buyer evaluates an account, communicates…
SCRA and Bankruptcy Compliance in Receivables Portfolios
Receivables operators must recognize when the Servicemembers Civil Relief Act (SCRA) or a bankruptcy filing changes what collection or litigat…
Subject
Compliance & Consumer Rights
SEC Filings Show Divergent Consumer Defaults: What the Latest 10-Q Disclosures Reveal
A comprehensive analysis of Q2 2026 SEC 10-Q disclosures and Federal Reserve benchmarks examining why commercial bank charge-offs eased while…
Bankruptcy Proofs of Claim: A Receivables Owner Workflow for Bar Dates and Supporting Records
A case-specific, counsel-governed records workflow for preserving bar-date sources, preparing privacy-reviewed support bundles, and escalating…
Subject
Consumer Engagement
Using AI in Debt Collection: Engagement, Cost, and Compliance
AI can help collections teams route accounts, offer self-service, and reduce routine administrative work, but it does not remove the rules tha…
How to Handle a Debt Collection Agency Contact
A debt collection contact calls for careful verification, timely recordkeeping, and a clear understanding of the choices available. This guide…
Subject
FCRA
FDCPA, TCPA, FCRA, and UDAAP: A Compliance Guide
FDCPA, TCPA, FCRA, and UDAAP govern different parts of consumer-debt operations: collection communications, certain calling and texting practi…
A Compliance Framework for Consumer Debt Transactions
Consumer debt sales and collection activity require more than a signed purchase agreement. A sound framework identifies the account type, owne…