Compliance: TCPA
TCPA consent and calling rules, managed automatically.
The TCPA carries $500 to $1,500 per call or text in statutory damages and has produced some of the largest class actions in collections. HL Hunt manages consent capture and revocation, reassigned-number checks, dialing methods, and time restrictions so every call and text is defensible.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- $500-1,500
- Statutory damages per violation
- 100%
- Consent verified before cell contact
- Instant
- Revocation honored across channels
- RND
- Reassigned Numbers Database checked
How HL Hunt enforces TCPA
Consent records
Source, timestamp, scope, and method of consent stored per number and checked before every call or text to a cell phone.
Revocation handling
Any reasonable revocation, by any channel, in any words, honored instantly and propagated to every channel.
Reassigned number checks
FCC Reassigned Numbers Database queries before contact, with safe harbor documentation.
Dialing method control
Appropriate dialing technology for consent level, with prerecorded and artificial voice rules applied.
Time restrictions
Calls and texts only within permitted hours in the recipient's local time zone, with state-specific limits.
Do-not-call compliance
Internal DNC lists maintained and honored, with national DNC considerations where applicable.
Stop worrying about TCPA. Let the engine enforce it.
Create a free account, upload your first accounts, and compliant AI outreach starts within the hour. No credit card, no contract.
How it works
- 01
Consent ingested
Consent data from your origination and servicing records imported with source and scope.
- 02
Checked per contact
Consent, revocation, RND, DNC, and time rules evaluated before any call or text.
- 03
Documented
Each check and its basis logged for safe harbor and litigation defense.
Why TCPA risk is concentrated in collections
The Telephone Consumer Protection Act restricts calls and texts to cell phones using automatic telephone dialing systems or prerecorded and artificial voices without prior express consent. Collections is uniquely exposed because collectors contact people who did not ask to be contacted, often at numbers that have changed hands, and historically used autodialers at scale. Statutory damages of $500 per violation, trebled for willful violations, with no cap, have driven settlements in the tens of millions.
The legal landscape shifted with the Supreme Court's Facebook v. Duguid decision narrowing the autodialer definition, FCC rules on consent revocation and reassigned numbers, and continuing litigation over prerecorded voice and texting. The practical requirements remain: know whether you have consent for each number, honor revocation immediately, check for reassigned numbers, use appropriate technology, and respect time limits.
HL Hunt treats every one of these as a check before contact. Consent is a data record with provenance, not a checkbox. Revocation in any form, including a reply saying "stop calling" or a verbal request during a call, propagates instantly. Reassigned Numbers Database queries run before contacting a number, qualifying for the FCC safe harbor. The AI voice agent and SMS system use methods appropriate to the consent level. Every decision is logged so a TCPA claim can be answered with documentation.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| TCPA | Encoded as rules that run before every action and log every decision | Covered in annual training; violations found in audits or lawsuits |
| Who does the work | AI contacts, converses, negotiates, and collects; humans handle exceptions | Agents on a dialer working whatever fits in the day |
| Compliance | Every contact checked against FDCPA, TCPA, Reg F, and state law before it happens | Training, scripts, and audits after the fact |
| Channels | SMS, email, AI voice, letters, and a self-service portal chosen per debtor | Phone calls and letters on a fixed schedule |
| Coverage | Every account worked, including small balances | Large balances worked; the rest ages out |
| Visibility | Every message, transcript, promise, and payment live in your dashboard | A monthly PDF report |
| Cost | Free to $649 a month plus 3% to 26% commission; Enterprise custom | 25% to 50% contingency, or seats plus modules plus services |
Pricing
Start free. Pay only on what you recover.
TCPA is included on every plan. Start at $0 a month with 50 active collections, and move up as your portfolio grows. Commission falls from 26% on Free to 3% on Enterprise, and it is charged only on money actually recovered.
Enterprise: unlimited collections, seats, SMS, voice, and email with a 3% commission, SOC 2 reports, DPA, and dedicated support.
- $0
- Free
- $149
- Basic, per month
- $349
- Growth, per month
- $649
- Scale, per month
50 active collections · 26% commission · 1 seat
250 active collections · 15% commission · 3 seats
1,000 active collections · 10% commission · 10 seats
5,000 active collections · 6.5% commission · 25 seats
Everything included
One platform covers all of it
TCPA is one part of the platform. Every HL Hunt plan, from Free to Enterprise, includes the full collections stack, so you never bolt on a second vendor as your portfolio grows.
- AI outreach engineRight channel, right time, right words for every debtor.Learn more
- SMS, email & lettersEvery channel, orchestrated per account.Learn more
- AI voice agentCompliant calls that take payments and hand off.Learn more
- AI payment plansAffordability-based plans negotiated automatically.Learn more
- Payments & portalCard, ACH, and wallets with a self-service portal.Learn more
- Compliance engineFDCPA, TCPA, Reg F, and 50 states, on every contact.Learn more
- Disputes & validationNotices, disputes, and cease requests handled.Learn more
- Recovery analyticsLive liquidation, channel, and cohort reporting.Learn more
- API, CSV & MCP serverConnect your LOS, billing, or let your agent do it.Learn more
Get started
Go live with TCPA today
Create a free account, upload your first accounts, and AI outreach begins within the hour. No credit card, no contract, no implementation project. Here is what to have ready.
Prefer to talk first? info@hlhunt.org
- 01A CSV or system export of delinquent accounts: name, contact details, balance, and itemization
- 02Consent and contact-preference data you hold for phone numbers and email addresses
- 03Your legal entity, any collection licenses you hold, and the states you collect in
- 04Your existing policies, scripts, and templates so we can map them into the rule engine
- 05Your compliance officer or counsel for a short configuration review before go-live
TCPA FAQ
What counts as prior express consent?
For informational calls and texts like collections, providing a cell number to the creditor in connection with the debt generally constitutes consent. HL Hunt records how and when each number was provided and whether consent was later revoked.
How does revocation work?
Consumers can revoke consent through any reasonable means. HL Hunt recognizes revocation in replies, calls, portal settings, and written requests, and applies it instantly across all channels.
What is the Reassigned Numbers Database?
An FCC database of numbers that have been disconnected and reassigned. Querying it before contact and receiving a "no" result provides a safe harbor against TCPA liability if the number was reassigned anyway.
Does the TCPA apply to AI voice calls?
Yes. AI-generated speech is treated as an artificial voice under the TCPA, requiring consent for calls to cell phones. HL Hunt applies these rules and documents consent for every AI call.
Still have questions?
Talk to a collections specialist, or start free and see the platform for yourself.
Start recovering more today.
Create a free account, upload your first accounts, and compliant AI outreach begins within the hour. Pay commission only on what you recover.