Full FDCPA, TCPA, and Reg F compliance. On every contact.

Most compliance programs in collections rely on people: scripts, training, call monitoring, and quality assurance sampling after the fact. That approach fails in exactly the moments it matters, when an agent is tired, a dialer is misconfigured, or a state changes its rules. The Consumer Financial Protection Bureau's Regulation F, effective since November 2021, made the problem harder by adding specific, testable requirements: the 7-in-7 call frequency presumption, limited-content messages, electronic communication opt-outs, and detailed validation notice content.

HL Hunt turns those rules into code that runs on every contact. The engine knows how many attempts have been made on each debt in the trailing seven days, when the last conversation happened, what consent exists for each phone number and email, what state the debtor is in and what that state adds on top of federal law, and whether the account carries any status that prohibits contact. No message, call, or letter is sent unless every applicable check passes, and the check results are stored with the contact record.

The result is a system that gets safer as it scales rather than riskier. More volume does not mean more agents to train and monitor; it means more contacts passing through the same deterministic checks. For creditors, that means the FDCPA and TCPA lawsuit exposure that normally comes with outsourcing collections is dramatically reduced. For agencies and law firms, it means clean audit trails that satisfy clients, regulators, and licensing boards.