100% Compliant AI Debt Collection
Protect your agency from costly fines and lawsuits. CollectDebt.ai ensures FDCPA, TCPA, HIPAA, and Reg F compliance across every call, message, and payment automatically.
Built for trust, transparency, and total regulatory confidence. $0 in penalties. 100% audit pass rate. SOC 2, PCI DSS, and HIPAA certified.
Why Compliance Matters More Than Ever
Debt collection is one of the most tightly regulated industries, and the cost of non-compliance is higher than ever.
TCPA fines
$500–$1,500 per call × thousands of calls
FDCPA violations
$1,000 per infraction + class-action exposure
Reg F & CFPB enforcement
7-in-7 rule and consent renewals
HIPAA penalties
Up to $1.5M per year for data breaches
How CollectDebt.ai Guarantees 100% Compliance
Our AI voice and compliance engines monitor every second of every interaction, not just samples. Every script, message, and outreach is automatically validated against national and state regulations.
Pre-Call Verification
- •Confirms right-party contact and time-zone restrictions
- •Checks consent, DNC lists, and the 7-in-7 rule
- •Blocks unauthorized or high-risk calls instantly
Real-Time Monitoring
- •Detects prohibited phrases or tone violations
- •Ensures mandatory disclosures (Mini-Miranda)
- •Monitors call frequency and duration
Automated Enforcement
- •Terminates calls at violation risk points
- •Inserts real-time disclosures for compliance gaps
- •Refreshes consent every 60 days for Reg F
Documentation & Audit Trails
- •Auto-records every call and transcript
- •Generates timestamped compliance logs for 3+ years
- •Full traceability for FDCPA, TCPA, and HIPAA audits
Supervisor Alerts
- •Sends instant alerts for potential risks
- •Dashboard view of agent/campaign compliance score
Continuous Learning
- •AI adapts to regulation updates
- •Policies auto-update for new state or CFPB rules
AI for Debt Collection Compliance
FDCPA (Fair Debt Collection Practices Act)
CollectDebt.ai automates Mini-Miranda disclosures, time restrictions, and language checks. All validation notices and call records are securely stored and audit-ready.
TCPA (Telephone Consumer Protection Act)
AI verifies express consent before every call, manages DNC lists, and fulfills opt-outs within 10 days to meet April 2025 compliance requirements.
Regulation F (CFPB Rule)
Built-in 7-in-7 call limit tracking, local time enforcement, and compliant email/SMS messaging. AI ensures every contact follows CFPB's updated digital communication rules.
HIPAA (Healthcare Collections)
SOC 2 + HIPAA compliant for patient billing. PHI encryption, Business Associate Agreements (BAAs), and breach detection protect all healthcare data.
PCI DSS & SOC 2 Security
Every transaction and stored record meets enterprise-grade security standards, ensuring safe handling of financial and personal information.
Measurable ROI: Compliant Debt Collection
Reduction in Compliance Monitoring Time
Client Satisfaction
Coverage FDCPA, TCPA, Reg F, and HIPAA
Compliance Monitoring Software Built for Every Industry
Financial Services
FDCPA, TCPA, and Reg F compliance baked into every interaction.
Healthcare
HIPAA-protected AI billing and patient outreach.
Utilities & Telecom
Automated opt-out and consent tracking across channels.
Real Estate
Regulation-compliant reminders for dues, HOA, and property payments.
Retail & E-Commerce
PCI DSS-secure payment handling and real-time consent validation.
Hospitality
FDCPA-compliant voice automation that protects reputation and enhances customer experience.
Trucking & Logistics
Automated call frequency control, consent verification, and region-specific TCPA safeguards.
Frequently Asked Questions
Our AI verifies consent, call frequency, and time-zone compliance automatically, enforcing all FDCPA and TCPA limits in real time.
Reg F limits collectors to 7 calls in 7 days per debt. CollectDebt.ai's 7-in-7 counter ensures your agents never exceed legal thresholds.
We use end-to-end encryption, BAAs, and strict PHI access controls to meet healthcare security standards.
Regulatory updates are implemented continuously through AI-driven rule engines and verified by our legal compliance team.
SOC 2 Type II, PCI DSS Level 1, and HIPAA-compliant infrastructure with third-party audits for full transparency.
Ready for 100% Regulatory Compliance Automation?
Avoid costly penalties and reputational damage. Switch to the only compliance-first AI collection platform. CollectDebt.ai guarantees zero violations, zero risk, and zero manual monitoring.