The FDCPA, enforced on every contact.

The FDCPA governs third-party debt collectors, debt buyers, and others collecting consumer debts owed to someone else. It prohibits communicating at inconvenient times or places (presumptively before 8 a.m. or after 9 p.m. local time), contacting a consumer known to be represented by an attorney, contacting a consumer at work when the employer prohibits it, and disclosing debts to third parties. It prohibits harassment, including repeated calls intended to annoy, and false or misleading representations, including implying legal action that is not intended or misstating the amount owed. It requires collectors to identify themselves and state that they are attempting to collect a debt, to send a validation notice within five days of initial communication, and to cease collection of disputed debts until verification is provided.

Most violations are not malicious. They happen because a collector was tired, a script was outdated, a time zone was wrong, a family member answered, or a letter template omitted a line. The FDCPA is a strict liability statute: intent does not matter, and statutory damages plus attorney fees make even technical violations expensive, especially in class actions.

HL Hunt eliminates the human-error pathway. Rules are code, not training. Every message, call, and letter is checked against the applicable FDCPA requirements given the account's state and the debtor's known status before it goes out. The AI cannot say something off-script, cannot call outside permitted hours, and cannot discuss a debt with an unverified person. Every check is logged, so when a complaint or suit arrives, the response is an export rather than an investigation.