{"id":49890,"date":"2021-11-16T04:00:50","date_gmt":"2021-11-16T12:00:50","guid":{"rendered":"\/us\/en\/blog\/?p=49890"},"modified":"2024-07-26T01:55:48","modified_gmt":"2024-07-26T08:55:48","slug":"regulatory-requirements-for-digital-debt-collections","status":"publish","type":"post","link":"\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/","title":{"rendered":"Regulatory requirements for digital debt collections"},"content":{"rendered":"<p><b>Highlights:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New regulations regarding debt collections processes are going into effect in November 2021.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The regulations reflect the modern reality of digital communications.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To prepare to comply with the new regulations, collections teams must thoroughly understand the requirements and use digital communications technologies appropriately.<\/span><\/li>\n<\/ul>\n<hr \/>\n<p><span style=\"font-weight: 400;\">The last time the United States government updated collections regulations, Jimmy Carter was in the White House, and people communicated through telegram and fax.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Four decades and seven presidents later, communications technology has changed dramatically, and regulation regarding collections processes must change as well. In an<\/span><a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/consumer-financial-protection-bureau-issues-final-rule-implement-fair-debt-collection-practices-act\/\"> <span style=\"font-weight: 400;\">October 2020 statement<\/span><\/a><span style=\"font-weight: 400;\">, former Consumer Finance Protection Bureau (CFPB) Director Kathleen Kraninger observed: &#8220;With the vast changes in communications since the FDCPA was passed more than four decades ago, it is important to provide clear rules of the road.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To that end, the CFPB has confirmed that two final rules under the Fair Debt Collection Practices Act (FDCPA) will take effect on November 30, 2021. What will that mean for collections professionals?<\/span><\/p>\n<hr \/>\n<p><span style=\"font-weight: 400;\">\ud83d\udcbb<\/span> <span style=\"font-weight: 400;\">The time for digital collections is now. Read our guide to find out why digital collections are the way to go.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\t<\/p>\n<div class=\"download-form-widget enterprise-download-form\" data-url=\"https:\/\/netstorage.ringcentral.com\/documents\/why_how_collections_strategy_digital.pdf\" data-id=\"6a09b396cac34\" id=\"6a09b396cac34\">\n\t\t<button tabindex=\"on\"  on=\"tap:6a09b396cac34.toggleClass(class='open')\" class=\"open-modal-download-action download-form-button\" type=\"submit\">Get the guide<\/button><\/p>\n<div class=\"download-form-modal\">\n<div class=\"download-form-modal-body\">\n<div class=\"download-form-modal-content\">\n<div class=\"download-form-modal-title\">Why and how to take your collections strategy digital<\/div>\n<form class=\"download-form ENTERPRISE\" method=\"post\">\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Full Name\" aria-required=\"true\" aria-invalid=\"false\" type=\"text\" name=\"fullname\" placeholder=\"Full Name\" data-dl-events-hover=\"true\" data-dl-element=\"text\" data-dl-additional-info=\"enterprise download form\">\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Email (please enter a work email address)\" aria-required=\"true\" aria-invalid=\"false\" type=\"email\" autocomplete=\"on\" name=\"email\" placeholder=\"Email (please enter a work email address)\" data-dl-events-hover=\"true\" data-dl-element=\"email\" data-dl-additional-info=\"enterprise download form\">\n\t\t\t\t\t\t<\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"popup_form\" value=\"1\">\n\t\t\t\t\t\t<\/div>\n<div><input type=\"hidden\" name=\"Asset_ID__c\" value=\"ODAM-02414\" class=\"download-form-input\"><\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"Lead_Entry_Source__c\" value=\"RC Blog Enterprise\" class=\"download-form-input\"\/>\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<button class=\"download-form-submit\" type=\"submit\" data-dl-element=\"button\" data-no-auto-dl=\"true\" data-dl-additional-info=\"enterprise download form\" data-dl-name=\"Read the guide\">Read the guide<\/button>\n\t\t\t\t\t\t<\/div>\n<\/p><\/form>\n<p> \t\t\t\t\t<button on=\"tap:6a09b396cac34.toggleClass(class='open')\" role=\"button\" tabindex=\"0\"  class=\"download-form-modal-close\"><\/button>\n\t\t\t\t<\/div>\n<div class=\"download-form-modal-thank\"> Enjoy!<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<hr \/>\n<h2><b>A look at current debt collection regulations<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.ftc.gov\/enforcement\/rules\/rulemaking-regulatory-reform-proceedings\/fair-debt-collection-practices-act-text\"> <span style=\"font-weight: 400;\">FDCPA<\/span><\/a><span style=\"font-weight: 400;\"> was signed into law in late 1977. The stated purpose of the law was &#8220;to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Various provisions of the law protect consumers from unfair collections practices such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Excessive phone calls<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Continued attempts to collect debt not owed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Illegal or unethical communication tactics<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not providing written verification of the debt<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taking or threatening legal action<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">False statements<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improper sharing of information<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The Federal Trade Commission (FTC) works in harmony with the CFPB to ensure the enforcement of the FDCPA today.<\/span><\/p>\n<h2><b>Why the regulatory requirements are changing<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Thinking back to when the law was originally passed, mail and phone calls were the two most common ways businesses connected with consumers. Other methods of communication were telegrams and faxes. But communication has changed a lot since the 1970s.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although collections professionals still may opt to use mail or phone to reach customers with delinquent accounts, those two communication channels may no longer be the best ways to reach people. Digital channels such as text messaging and email have surpassed these legacy channels in terms of usage today.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, the 1977 law makes no provision for the use of such digital channels. So, even though communications technology has advanced, regulation has been slow to catch up. In an increasingly digital-first landscape, new regulations are necessary.<\/span><\/p>\n<h2><b>A look at the two new final rules that impact digital collections<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The CFPB has recently<\/span><a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/cfpb-confirms-effective-date-for-debt-collection-final-rules\/\"> <span style=\"font-weight: 400;\">finalized changes<\/span><\/a><span style=\"font-weight: 400;\"> to the FDCPA, which will go into effect in November 2021. Here&#8217;s a look at what&#8217;s the same and what is now different.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many rules will stay the same, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Third-party collection agencies can only reach out between 8 AM and 9 PM local time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collectors cannot contact borrowers at work without permission.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No threats or harassment are allowed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Communications must stop if the debtor requests that in writing.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">However, new rules update the law for the 21st century. Here are some of the updates:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collection agencies can call borrowers once a day, but if they speak to the borrower, they cannot call again for another week.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Phone calls must stop when requested in writing by the debtor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Text messages and emails must include an opt-out option.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Work emails are off-limits to collectors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collection agencies can contact borrowers through social media. They must use direct messages and cannot post publicly to borrowers. They also must include an opt-out option.<\/span><\/li>\n<\/ul>\n<h2><b>What about the frequency of calls, texts, and other messages?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Officially, the new regulations do not place a hard limit on the number of calls and texts you can send to a borrower.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead, the regulations place limits on the frequency of messages sent. Collections agencies can make one phone call per day to a borrower, but if they actually speak to the borrower, they cannot make another call for a week.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That being said, the borrower can opt out of any communication channel simply by sending a written request for the collector to stop communication. Borrowers have the power to limit messages under the new regulations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, each debt is counted separately. If a borrower opts out of messages for one of their debts, a collections agency can still contact them for any other debts they may have.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The only way for a borrower to refuse all messages is to send a written request for each debt and for each communication channel.<\/span><\/p>\n<div class=\"rc-subscribe\" id=\"new-rc-subscribe\"  style=\"background-image:url('\/us\/en\/blog\/wp-content\/themes\/ringcentral\/assets\/images\/temp\/subscribe.png')\">\n\t\t<button class=\"close js-popup-close\"><svg class=\"icon_close_mobile\" width=\"20\" height=\"20\"><use xlink:href=\"#icon_close_mobile\"><\/use><\/svg><\/button><\/p>\n<div class=\"rc-subscribe__wrapper\">\n<div class=\"rc-subscribe__wrapper_text\">\n<h3 class=\"rc-subscribe__title h2\">Stay informed with RingCentral<\/h3>\n<div class=\"rc-subscribe__subtitle\">Subscribe to our emails for the latest blogs, events, and exclusive content on AI-powered communication solutions. Stay ahead with insights and tips from the leader in trusted AI communications.<\/p>\n<p>\t\t\t\t\t<a href=\"https:\/\/www.ringcentral.com\/legal\/privacy-notice.html\" target=\"_blank\" data-dl-name=\"Privacy Notic\" data-dl-element=\"link\" data-dl-additional-info=\"social\" rel=\"noreferrer noopener\">Privacy Notice<\/a>\n\t\t\t\t<\/div>\n<\/p><\/div>\n<div class=\"rc-subscribe__wrapper_form\">\n<form class=\"\" data-event-init=\"true\" novalidate data-js-form>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\tname=\"email\"\n\t\t\t\t\t\t\t\tplaceholder=\"Email address *\"\n\t\t\t\t\t\t\t\ttitle=\"Must be valid email. example@yourdomain.com\"\n\t\t\t\t\t\t\t\tminlength=\"4\"\n\t\t\t\t\t\t\t\tmaxlength=\"255\"\n\t\t\t\t\t\t\t\ttype=\"email\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tpattern=\"[a-z0-9._%+\\-]+@[a-z0-9.\\-]+\\.[a-z]{2,}$\"\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\tautocomplete=\"on\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-events-hover=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-element=\"email\"\n\t\t\t\t\t\t\t\tdata-dl-additional-info=\"LET'S WORK TOGETHER\"\n\t\t\t\t\t\t\t\taria-label=\"Email address *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"email-subscribe-errors\"\n\t\t\t\t\t\t><br \/>\n\t\t\t\t\t\t<span class=\"field__errors\" id=\"email-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<select\n\t\t\t\t\t\t\t\tname=\"Country__c\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\taria-expanded=\"false\"\n\t\t\t\t\t\t\t\taria-label=\"Country *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"country-subscribe-errors\"\n\t\t\t\t\t\t><option value=\"\" disabled=\"disabled\" selected=\"selected\">Country<\/option><option value=\"Canada\">Canada<\/option><option value=\"United_States\">United States<\/option><\/select><\/p>\n<p>\t\t\t\t\t\t<span class=\"field__errors\" id=\"country-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<button type=\"submit\" data-event-init=\"true\">Subscribe<\/button>\n\t\t\t\t\t<\/div>\n<\/p><\/form>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"confirm-form\" role=\"status\" aria-live=\"polite\" style=\"display: none;\" aria-hidden=\"true\">\n<div class=\"confirm-form__text\">Thank you for your interest in RingCentral<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2><b>Digital communications channels comply with the new regulations<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The CFPB expects that debt collectors communicate with debtors using channels that debtors use. The official wording of this occurs in Section 1006.42 of the new act, which states:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201c(1) In general. A debt collector who sends disclosures required by the Act and this part in writing <\/span><i><span style=\"font-weight: 400;\">or electronically<\/span><\/i><span style=\"font-weight: 400;\"> must do so in a manner that is reasonably expected to provide actual notice, and in a form that the consumer may keep and access later.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Digital communications channels are now the dominant form of communication. That means collections agencies can use them. That said, debt collectors must be sure that their messages provide actual notice. In the past, this was done by the<\/span><a href=\"https:\/\/www.ontariosystems.com\/debt-collection-process-paper-free-under-regulation-f\/\"> <span style=\"font-weight: 400;\">mailbox rule<\/span><\/a><span style=\"font-weight: 400;\">. Properly addressed mail sent through the USPS was assumed to have been read five days later.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, however, debt collectors may use other means to ensure their messages go through, relying on tracking capabilities within their digital communication solutions or social media sites.<\/span><\/p>\n<h2><b>How the new regulations help both borrowers and debt collectors<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The CFPB\u2019s main job is to protect borrowers from predatory lending and harassment from debt collectors. The new regulations help borrowers by preventing extreme cases of aggressive debt collecting.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They also help borrowers by giving them control over collections messages. Borrowers can keep their workplaces free from messages, and opt out of new messages.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The new regulations also help debt collectors.<\/span><a href=\"https:\/\/blog.trueaccord.com\/2020\/03\/4-reasons-companies-worry-about-digital-debt-collection\/\"> <span style=\"font-weight: 400;\">Until recently, many collectors were afraid to take advantage of new technology<\/span><\/a><span style=\"font-weight: 400;\">. Because existing regulations were old and vague, debt collectors were often cautious to make good use of digital channels. There was a risk of accidentally breaking the law.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because the new regulations target digital channels, they clear up the confusion. Debt collectors can employ text, email, and social media without fear. Collections agencies now have permission to use these channels, within prescribed boundaries. That is good news for debt collectors, because digital channels not only provide additional ways to reach a new generation of debtors that are digital natives, but also because using digital communications can be much more cost-effective than methods such as mailed letters and live-agent phone calls.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><\/p>\n<div class=\"rc-post-content-cta rc-post-content-cta_orange\">\n<div class=\"rc-post-content-cta-columns\">\n<div class=\"bottom-cta-img\">\n\t\t\t\t<img decoding=\"async\" width=\"1134\" height=\"1096\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2021\/11\/nice-incontact-ebook-lp.png\" class=\"responsive-image\" alt=\"\" \/>\t\t\t<\/div>\n<div class=\"bottom-cta-copy\">\n<div class=\"headline-copy\" style=\"text-align:left;\">6 must-haves for your best CX<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"rc-post-content-cta-footer\">\n<div class=\"bottom-cta-logo-container\">\n<div class=\"bottom-cta-logo\"><span 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17.333 6.72752 17.3347 7.20235C17.3298 7.67879 17.4694 8.144 17.7325 8.54023C17.9956 8.93646 18.3726 9.24446 18.8137 9.42412C19.1041 9.54604 19.4169 9.6054 19.7329 9.60219Z\" \/>\n\t\t\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M16.9769 0.548269C16.101 0.914019 15.307 1.44981 14.6364 2.12196L16.332 3.81756C16.7764 3.37 17.3041 3.01548 17.8865 2.77325C18.4688 2.53102 19.0928 2.40429 19.7232 2.40269C20.3537 2.40108 20.9777 2.523 21.5616 2.76362C22.1439 3.00264 22.6749 3.35556 23.1225 3.79991L24.8181 2.10431C23.8106 1.1001 22.5289 0.415123 21.1333 0.139206C19.7377 -0.139919 18.2907 0.00285184 16.9769 0.548269Z\" \/>\n\t\t\t\t\t\t<\/svg><\/span><\/div>\n<\/p><\/div>\n<div class=\"bottom-cta-link\">\n\t\t\t\t<a href=\"https:\/\/www.ringcentral.com\/ebook-the-innovators-guide-to-the-digital-first-contact-center.html\" class=\"view-all view-all-brown\" data-dl-name=\"Read the guide\" data-dl-element=\"button\" data-dl-additional-info=\"bottom cta banner\" data-no-auto-dl=\"true\">Read the guide<span class=\"svg-icon\" aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"#000\" role=\"img\" aria-labelledby=\"cta-ring-arrow-212761484\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t<title id=\"cta-ring-arrow-212761484\">Ring Central Logo<\/title>\t\n\t\t\t\t\t<path d=\"M0 11.5C0 11.2239 0.223858 11 0.5 11H21.6797C21.9559 11 22.1797 11.2239 22.1797 11.5V12.5C22.1797 12.7761 21.9559 13 21.6797 13H0.5C0.223858 13 0 12.7761 0 12.5V11.5Z\" ><\/path>\n\t\t\t\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M21.1718 12.0001L15.8086 6.63691C15.6134 6.44165 15.6134 6.12506 15.8086 5.9298L16.5157 5.22269C16.711 5.02743 17.0276 5.02743 17.2228 5.22269L23.6467 11.6465C23.8419 11.8418 23.8419 12.1584 23.6467 12.3536L17.2228 18.7775C17.0276 18.9727 16.711 18.9727 16.5157 18.7775L15.8086 18.0704C15.6134 17.8751 15.6134 17.5585 15.8086 17.3633L21.1718 12.0001Z\" ><\/path>\n\t\t\t\t<\/svg><\/span><\/a>\n\t\t\t<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<h2><b>How you can optimize your collections strategy for the new regulations<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">For communication of any kind to be effective, you must actually reach the person with whom you are trying to communicate, and the best way to do that is to contact them where you know they are. With the proliferation of digital communication channels, the best strategy is to use omnichannel communications.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">RingCentral provides <a href=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/digital-debt-collection-with-advanced-contact-center-platforms\/\">advanced contact center<\/a> solutions that enable inbound, outbound, and digital communications. Our solutions enable debt collectors to send and receive communications across all digital channels, increasing the likelihood that they will be able to connect with debtors via the channel of their choice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, reporting and analytics included with our solutions enable debt collectors to easily track their interactions with debtors to remain compliant in the areas of frequency and time of contact. To learn more about our solution for debt collectors, request a demo to<\/span><a href=\"https:\/\/www.ringcentral.com\/view_demo.html?__mscta=2881_89104_13469\"> <span style=\"font-weight: 400;\">see how our platform works<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Highlights: New regulations regarding debt collections processes are going into effect in November 2021. The regulations reflect the modern reality of digital communications. To prepare to comply with the new regulations, collections teams must thoroughly understand the requirements and use digital communications technologies appropriately. The last time the United States government updated collections regulations, Jimmy &#8230;<\/p>\n","protected":false},"author":29,"featured_media":49891,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18836],"tags":[43174,43175],"class_list":["post-49890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services","tag-debt-collection","tag-digital-collections"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.3 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Regulatory requirements for digital debt collections | RingCentral Blog<\/title>\n<meta name=\"description\" content=\"Prepare for new debt collection regulations with the right digital tools. 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Discover how to adapt your processes and stay compliant.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/\" \/>\n<meta property=\"og:site_name\" content=\"RingCentral Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ringcentral\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-16T12:00:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-26T08:55:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/wp-content\/uploads\/2021\/11\/digital-collection.png\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"700\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"RingCentral Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ringcentral\" \/>\n<meta name=\"twitter:site\" content=\"@ringcentral\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RingCentral Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/#article\",\"isPartOf\":{\"@id\":\"\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/\"},\"author\":{\"name\":\"RingCentral Team\",\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/#\/schema\/person\/65a168321317ffd562e0d77745f1b358\"},\"headline\":\"Regulatory requirements for digital debt collections\",\"datePublished\":\"2021-11-16T12:00:50+00:00\",\"dateModified\":\"2024-07-26T08:55:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/\"},\"wordCount\":1367,\"publisher\":{\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/#primaryimage\"},\"thumbnailUrl\":\"\/us\/en\/blog\/wp-content\/uploads\/2021\/11\/digital-collection.png\",\"keywords\":[\"debt collection\",\"digital collections\"],\"articleSection\":[\"Financial services\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/\",\"url\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/\",\"name\":\"Regulatory requirements for digital debt collections | RingCentral Blog\",\"isPartOf\":{\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/regulatory-requirements-for-digital-debt-collections\/#primaryimage\"},\"thumbnailUrl\":\"\/us\/en\/blog\/wp-content\/uploads\/2021\/11\/digital-collection.png\",\"datePublished\":\"2021-11-16T12:00:50+00:00\",\"dateModified\":\"2024-07-26T08:55:48+00:00\",\"description\":\"Prepare for new debt collection regulations with the right digital tools. 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