Recover delinquent accounts under Reg F, TCPA, and state licensing requirements — while preserving client relationships and your institution's reputation.
Book a 30-min demoThe regulatory burden of collection is so heavy that many institutions absorb the loss rather than risk a violation.
Regulation F limits calls to 7 per account per 7-day period. Tracking this across thousands of accounts manually is a compliance nightmare. One violation means CFPB scrutiny and significant fines.
For example, a $50K delinquent account belongs to someone with $2M in deposits. Aggressive collection destroys the total relationship. Your collectors don't have this context when they make calls.
Each state has different collection licensing, bonding, and notification requirements. Your third-party agency may not be licensed in all 50 states, creating blind spots in your portfolio.
Regulators require charge-off at 120-180 days. Your window to recover is shrinking while your team handles the same manual outreach process they used in 2005.
Sync delinquent accounts from your core banking platform or LOS. We import account details, relationship history, and compliance flags — all encrypted and auditable.
Your branded agent contacts borrowers at optimal times, tracks every interaction against Reg F frequency limits, and adjusts tone based on relationship value and delinquency stage.
Payments restore accounts to current status. Full audit trail for examiner review. Relationship-aware approach means high-value clients stay with your institution.
We'll show you how AI collection works within your regulatory framework, your core system, and your risk appetite.
Pricing has three parts: a one-time setup fee, a subscription, and a small variable fee. We quote after reviewing your receivables. Full audit trail included.