AI Past-Due Collection Calls for US Lenders

Yes — Caller Digital's collection flow is built around the FDCPA from the script template up. Mini-Miranda fires in the opening utterance of every call ("This is an attempt to collect a debt; any information obtained will be used for that purpose. This call is being recorded."). The 5-day validation notice is automated via SMS/email after first contact. Cease-communication requests are honoured in real-time — the moment the debtor says "stop calling" the dial pipeline suppresses further contact within seconds, with the suppression audit-logged. Third-party disclosure rules are baked into the script: the AI does not discuss debt with anyone other than the debtor or a verified authorized party. Calling-window enforcement (8am-9pm recipient local time) is automatic.

Mini-Miranda is the opening disclosure required on every FDCPA-regulated collection call. In Caller Digital's standard US collections deployment, the AI's opening utterance is: "Hello, this is [Agent Name] calling from [Servicer Name]. This is an attempt to collect a debt; any information obtained will be used for that purpose. This call is being recorded. May I please speak with [Debtor First Name]?" The full text is registered in the script template, fires before any debt-related ask, and the timestamp of disclosure is captured in the per-call audit row. The 30-second opening clip is reviewable in the audit export — useful if a TCPA / FDCPA defense is ever filed.

Real-time suppression. The AI's NLU is tuned to recognize cease-communication language broadly — not just "stop calling" but also "don't call me again," "remove me from your list," "I'm asking you to stop," etc. The moment recognized, the AI confirms ("I understand — we'll stop calling you. You may still receive a written notice.") and writes a cease-communication flag to the account record. The dial pipeline picks up the flag within 60 seconds across all queues. Any subsequent dial attempt against that account is suppressed and audit-logged as a suppression event. Most state-level cease requirements have shorter propagation windows than the FDCPA's 30-day; Caller Digital's 60-second propagation satisfies all known state requirements.

Soft-bucket (31-60 DPD) cure rate lifts measured across US lender deployments: baseline (human-only call center) typically 22-28%; with AI augmentation 28-38%. The lift is 32% in aggregate. Drivers: AI reaches 78-85% of accounts vs 45-55% for human-only (which run business hours only); AI offers consistent payment plans without negotiator variance; payment-link delivery mid-call captures 18-24% of cures that would otherwise require a callback. Cost per cure: $1.85-$3.50 fully loaded (AI platform + telephony + supervisor overhead + payment-link processing) vs $7-$15 for human-only soft-bucket cure. Net annual savings on a 50k-account book typically run $850k-$1.8M.

Yes. Caller Digital integrates with the major US payment processors (Stripe, Adyen, Authorize.Net, Plaid Pay, Spreedly) and the major lender-built payment portals. Mid-call, the AI offers "I can text you a secure payment link right now — would that be helpful?" If the debtor agrees, the AI fires the link via SMS to the registered mobile, walks through the steps as the debtor opens it, and validates the payment confirmation within the same call. Payment completion rate when offered mid-call: 24-32% vs 8-14% for follow-up SMS without the verbal walkthrough. For ACH-only debt-products, the AI captures bank-account information via DTMF entry (PCI-DSS Level 1 compliant) rather than spoken digits.

Yes. For US deployments, Caller Digital maintains a state-by-state grid covering: licensing requirements (CA, NY, TX, FL, etc.), state-specific calling windows (CA: 8am-9pm with stricter weekend rules, NY: 8am-9pm, FL: 8am-9pm with no-Sunday for some debt classes), additional disclosure requirements (DC, MD), and cease-communication propagation requirements. The dial pipeline filters each contact against the recipient's state-of-residence (from address on file) and the licensed-state list for the calling entity. Calls to states where the lender isn't licensed are suppressed at dial-time, not retroactively. The compliance grid is updated quarterly with regulatory changes.

Outcome-based USD pricing per past-due account contact. 1-60 DPD (soft bucket): $0.55-$1.10 per contact. 61+ DPD (mid + legal-track): $0.95-$1.85 per contact. "Contact" = AI reached the debtor (or verified authorized party) and completed the structured FDCPA conversation. No-answer attempts don't bill. Cease-communication suppressions don't bill on subsequent attempts. Voicemail with permitted message bills at the contact rate only when the debtor returns the call; otherwise it doesn't bill. Volume tiers: under 25k contacts/month at upper end, 250k+/month at lower end with Enterprise pricing. All pricing includes FDCPA + TCPA compliance scaffolding, SOC 2 attestation, mini-Miranda + cease-communication automation, and per-call audit trail retention for 7 years.