Banks & credit unions
Collections your members will not resent.
Credit cards, auto loans, overdrafts, and consumer loans, worked with the tone your institution is known for and the documentation your examiners expect. HL Hunt integrates with your core, enforces UDAAP and state rules, and resolves more accounts with less staff time.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- 60%
- Less collector time per resolved account
- 100%
- Contacts logged with rule checks for examiners
- +27%
- Resolution with affordability-based plans
- Core
- Integration with major core platforms
Why banks & credit unions teams choose HL Hunt
Member-first messaging
Tone guidelines and approved language keep outreach consistent with your brand and your board's expectations.
Multi-product coverage
One platform for cards, auto, HELOC, overdraft, and unsecured loans, with product-specific waterfalls and disclosures.
Examiner-ready records
Every message, call transcript, rule check, and decision stored per account and exportable for NCUA, OCC, FDIC, or state exams.
Fair lending support
Explainable scoring without protected characteristics and portfolio-level outcome distributions for disparate impact review.
Small team, big coverage
AI handles volume and after-hours inbound; your collectors focus on hardship, repossession decisions, and complex cases.
Compliance that keeps up
Regulation F, TCPA, SCRA, bankruptcy, and state rule changes maintained for you, not by your compliance officer at midnight.
Ready to run banks & credit unions collections on HL Hunt?
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
Connect your core
Delinquent accounts sync nightly or in real time with balances, due dates, consent, and member contact data.
- 02
AI works the queue
Compliant, branded outreach across channels with plan offers, payment links, and escalation to your team when needed.
- 03
Everything posts back
Payments, promises, and status changes update the core. Reports are ready for your board and your examiners.
The examiner is in the room on every call
Financial institutions collect under more scrutiny than anyone. Beyond the FDCPA practices most adopt voluntarily, there is UDAAP, Regulation Z for cards, SCRA for servicemembers, state servicing laws, and the expectation from examiners that every contact can be reconstructed. Doing that with a small collections team on a dialer and a spreadsheet is a constant risk, and growing the team is expensive.
HL Hunt gives institutions a way to scale collections without scaling headcount or risk. The AI handles early-stage outreach, inbound questions, and plan setup within tone and policy rails your compliance team defines. Every contact is checked before it happens and documented after. Human collectors receive the escalations that need judgment, with full context. The whole history of every account is one export away.
Members notice the difference too. A text that offers a one-tap payment or a simple plan, sent at a reasonable hour in a respectful tone, reads as service rather than pressure. Resolution rates rise, complaints fall, and the relationship survives the delinquency.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Banks & Credit Unions fit | Configured for your laws, systems, debtors, and tone | Generic agency or software that does not know your product |
| 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.
Banks & Credit Unions 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
Banks & Credit Unions 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 Banks & Credit Unions 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
- 04Brand assets and tone preferences for outreach in your name
- 05Settlement authority and payment plan rules you want the AI to follow
Banks & Credit Unions FAQ
Which core systems do you integrate with?
Native connectors cover the major credit union and community bank cores, and the REST API and SFTP options work with any core that exports delinquency data. Ask us about yours.
How do you support SCRA compliance?
Accounts can be screened against the DMDC database on placement and on a schedule, with SCRA flags restricting interest, fees, and certain actions automatically.
Can we keep our collectors?
Yes. Most institutions keep their team and redeploy it to higher-value work. The agent workspace gives collectors AI assistance and compliance guardrails.
Is HL Hunt SOC 2 audited?
Yes. SOC 2 Type II reports and a DPA are available on Enterprise plans, with vendor due diligence packages for your third-party risk program.
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.