Collections Compliance Solution

Phone intelligence supports collections compliance by helping identify right-party contacts, detect reassigned numbers, and document reasonable procedures for TCPA and FDCPA compliance.

The Challenge

  • TCPA violations cost $500-$1,500 per call
  • FDCPA prohibits discussing debt with third parties
  • Reassigned numbers create wrong-party contact risk
  • Class actions target high-volume collections operations

The Solution

VeriRoute Intel provides phone intelligence that supports collections compliance programs, including exclusive LRN Activation Date to detect reassigned numbers before calling.

Reassigned Number Detection

LRN Activation Date shows when a number was last ported. Compare against your last contact date to identify potential reassignments: 

# Before calling, check for reassignment
last_consent_date = account.consent_obtained_date
activation_date = lookup_result['lrn']['activation_date']

if activation_date > last_consent_date:
    # Number may have been reassigned after consent
    flag_for_compliance_review()
    do_not_call_without_verification()

This supports the "reasonable procedures" defense under TCPA safe harbor provisions.

Right Party Contact

CNAM Verification

Compare registered caller ID against account holder name:

  • Significant mismatch = potential wrong party
  • Flag for agent verification before discussing account

Line Type Intelligence

Line type affects right-party rates:

  • Mobile — Usually personal, higher RPC
  • Landline — May be shared, verify identity
  • VoIP — May be business, receptionist answers

Compliance Workflow

Before Campaign

  1. Validate all numbers for validity and line type
  2. Check LRN Activation Date against consent date
  3. Flag numbers activated after consent for review
  4. Remove or hold flagged numbers

During Call

  1. Agent verifies identity before discussing account
  2. Documents wrong-party contacts immediately
  3. Stops if told number has changed hands

After Wrong-Party Contact

  1. Stop calling immediately
  2. Flag record in system
  3. Document the interaction
  4. Attempt to obtain updated information

Documentation Support

VeriRoute Intel provides audit trail for compliance documentation:

  • Lookup timestamp and results
  • Activation date at time of validation
  • Line type and carrier data
  • Bulk job records for batch validation

TCPA Safe Harbor Support

The FCC's reassigned number safe harbor requires "reasonable procedures" to identify reassigned numbers. Phone intelligence supports this by:

  • Checking activation date before calling
  • Flagging numbers activated after consent
  • Documenting validation procedures
  • Stopping calls when wrong-party identified

Integration

VeriRoute Intel integrates with collections platforms:

  • Pre-campaign: Batch validate before loading dialer
  • Real-time: API lookup before each dial
  • Post-call: Update records with validation data

Support Your Compliance

Phone intelligence for collections compliance programs.

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