Fifty states, one rule engine.

Federal rules are well known. State rules are where collectors get into trouble, because there are many of them, they change often, and they vary in ways that are easy to miss. More than thirty states require collection agency licenses, often with bonding, and some require licensing of debt buyers and even first-party creditors in certain situations. Several states limit call attempts below the federal seven, restrict calling hours further, or require specific disclosures on every communication. Some cap post-default interest or prohibit certain fees. Massachusetts limits calls to two per week; New York City requires specific disclosures and validation practices; California's Rosenthal Act extends FDCPA-like rules to original creditors and requires licensing of most collectors under the Debt Collection Licensing Act.

A collector working a national portfolio faces dozens of overlapping rule sets, each of which applies based on where the debtor lives, which can change mid-collection. Doing this with training and scripts is unreliable. HL Hunt does it with data: each account's location selects the applicable rules, which are combined with federal requirements and your own policies to govern every contact.

Licensing is enforced structurally. You configure the states where you hold licenses, and the platform will not contact debtors in states where you do not, surfacing them for a licensing decision or partner placement instead. When laws change, our compliance team updates the rule sets and clients are notified of material changes, with nothing to install.