United States Collections Compliance
Run US recovery operations with controls mapped to FDCPA, Regulation F, and state privacy obligations.
US Collections Law
Specific legal requirements, built into daily workflows
US teams must align debt communications, call behavior, and data handling to a mix of federal and state rules. iCollect helps operationalize those requirements with policy-driven automation.
Contact Timing and Frequency
FDCPA 15 U.S.C. 1692c(a)(1) restricts contact at unusual times. Regulation F 12 CFR 1006.14(b)(2) adds the 7-in-7 call limit plus a 7-day pause after a successful conversation.
Validation Information Duties
Regulation F 12 CFR 1006.34 requires validation information in the initial communication or within 5 days. iCollect notice templates keep required disclosures consistent.
Harassment and Misrepresentation
FDCPA 15 U.S.C. 1692d and 1692e prohibit harassment, abuse, and false or misleading statements. iCollect template approvals and scripted workflows reduce off-policy language.
Privacy and Security
FTC Safeguards Rule (16 CFR Part 314) requires a written information security program, while state privacy laws such as CCPA/CPRA require rights handling for access, deletion, and correction.
How iCollect Complies
Local-time windows, call-attempt throttles, immutable communication logs, role-based access, encryption, and DSAR operating workflows help teams evidence US compliance controls.
US Control Mapping
How iCollect turns legal requirements into operating controls
Jurisdiction Rules Engine
Configure rules by state, channel, debt class, and account status so prohibited contact patterns are blocked before they happen.
Audit-Ready Records
Every notice, attempt, and agent action is time-stamped and retained to support complaints, disputes, and regulator response.
Privacy Operations Layer
Operational workflows support Safeguards-style security governance plus state-level data rights response and incident handling.
Debt Collection Platform
Need US-ready compliance workflows?
Talk with us about configuring iCollect for your federal and state obligations.
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