Collect More. Stay Compliant. The SMS-First Debt Recovery Platform Built for
Reg F.
CloudContactAI helps collection agencies, banks, and lenders reach debtors through SMS, email, and voice – with TCPA opt-out handling, Reg F message-timing enforcement, and FDCPA Mini-Miranda automation built in.
Results Agencies Trust
98%
Open Rate
3-5x
Higher Contact Rate vs. Phone
40-60%
Faster Time to Payments
90 Seconds
Debtor Average Response Time
Compliance Is Not an Add-On, It’s the Foundation
Debt collection is the most regulated communications environment in the
country. One wrong message at the wrong time to the wrong number triggers
TCPA, Reg F, or FDCPA exposure. CloudContactAI handles the compliance layer automatically so your team focuses on recovery, not legal review.
TCPA-Safe Opt-Out Handling
Every opt-out keyword (STOP, UNSUBSCRIBE, QUIT, CANCEL) is recognized, logged, and honored instantly across all channels. Opt-outs are never re-messaged, and suppression lists sync in real time across your entire account.
Reg F Message-Timing Enforcement
The CFPB’s Regulation F prohibits contacting consumers before 8 a.m. or after 9 p.m. in their local time zone. CloudContactAI enforces this automatically. Messages that are queued outside the window are held and sent at the next compliant time; no manual intervention required.
FDCPA Mini-Miranda Automation
Required disclosures are inserted automatically into initial contact messages. Templates are pre-validated so your team never
accidentally sends a non-compliant first message.
Right-Party Contact Confirmation
Sending a collection message to a third party (family member, employer) is a direct FDCPA violation. CloudContactAI’s two-way SMS flow includes right-party confirmation prompts before sensitive account information is exchanged.
FDCPA Mini-Miranda Automation
Every message sent, delivered, read, and replied to is logged with timestamps. If a consumer disputes contact, your compliance team has a complete, exportable record in minutes.
Built for Every Stage of the Collection Cycle
Outstanding Payment Reminders
Send automated, personalized payment reminders before an account reaches delinquency. Friendly, low-friction messages keep consumers engaged before a balance becomes a problem to reduce early-stage charge-offs without a single phone call.
Missed Payment Followup
When a payment is missed, speed matters. Automated SMS follow-ups go out within hours later rather than days. Two-way messaging lets consumers respond, ask questions, and commit to a payment date without ever picking up the phone.
Settlement & Payment Negotiations
Offer settlement amounts, payment plans, and hardship arrangements via SMS. Consumers are far more likely to engage with a negotiation they can do on their own time, in writing, without the pressure of a live call. Close more settlements at a lower cost-per-collected-dollar.
Example message:
“Hi [First Name], your [Bank Name] account has a balance of $[Amount] due on [Date]. Reply PAY to discuss options or STOP to opt out. [Mini-Miranda]”
Example message:
“Hi [First Name], we noticed your payment of $[Amount] was due on [Date]. We’re here to help. Reply to discuss your options or visit [Link].
[Mini-Miranda]”
Example message:
“Hi [First Name], we can offer a settlement on your account of $[Amount]: a savings of $[Savings]. Reply YES to accept or call [Number] to discuss. Offer expires [Date]. [Mini-Miranda]”
Portfolio Level Campaign Management
Running debt for multiple creditors? Each portfolio gets its own isolated campaign environment with separate sender IDs, message templates, opt-out lists, and reporting. No cross-contamination between client accounts, ever.
What Our Customers Say
“The unique ability to send and respond directly to text messages contributed to $120,000 of increased revenue this past year.”
— CloudContactAI Customer
“We were skeptical that texting would work for collections. Within the first 30 days our right-party contact rate tripled and our team was spending half as much time on the phone.”
— Collections Agency Operations Manager
“The compliance automation alone was worth it. We used to have a manual checklist for every campaign. Now it’s enforced automatically so our compliance officer actually gets to sleep at night.”
— Credit Union Collections Director
How It Works: From Upload to Resolved Account
- Upload your portfolio – SFTP, API, or manual upload. CSV and standard collection file formats supported.
- Segment your accounts – by DPD bucket, balance, account type, creditor, or any custom field.
- Launch compliant campaigns – timing, disclosures, and opt-out handling enforced automatically.
- Consumers respond in real time – two-way SMS conversations handled by your agents or automated flows.
- Accounts resolve – payment commitments, settlement agreements, or payment portal handoffs tracked end-to-end.
- Report by portfolio – contact rates, response rates, dollars recovered, and compliance events all in one dashboard.
Let Your Voice Be Heard with CloudContactAI
| Feature | What It Does |
|---|---|
| Multichannel Outreach | SMS, email, and voice from a single campaign dashboard |
| Two-Way SMS | Real-time debtor replies routed to agents or automated flows |
| Portfolio Isolation | Separate environments per creditor — no data or opt-out list bleed |
| SFTP File Uploads | Bulk account imports in standard collection formats |
| Automated Compliance | Reg F timing, TCPA opt-outs, FDCPA disclosures — all automatic |
| Campaign Scheduling | Set-and-forget drip sequences triggered by DPD or account status |
| Enterprise Dashboard | Real-time performance across all portfolios and campaigns |
| Audit Log Export | Full message history exportable for compliance review or litigation response |
Integrates with Your Existing Stack
CloudContactAI connects to the tools your team already uses and there’s no
rip-and-replace required. Contact us about direct integrations with your collections management system.
For Collection Agencies
See how CloudContactAI increases contact rates and reduces cost-per-dollar-collected in a live 30-minute demo tailored to your portfolio type.
For Bankers & Lenders
Running in-house collections on auto loans, personal loans, or credit cards? We’ll walk you through portfolio setup, compliance configuration, and integration with your core banking system.
Not Ready for a Demo?
Download our Reg F SMS Compliance Checklist — a plain-English
breakdown of what your messaging program needs to do to stay compliant under
the CFPB’s final rule.
Frequently asked questions
Is text messaging legal for debt collection?
Yes. With the right consent and compliance controls in place. The CFPB’s
Regulation F (effective November 2021) explicitly permits SMS as a
communication channel for debt collection, subject to timing restrictions,
opt-out requirements, and disclosure rules. CloudContactAI enforces all of
these automatically.
What is Reg F and how does it affect SMS?
Regulation F is the CFPB’s rule implementing the Fair Debt Collection
Practices Act. It limits collection contacts to between 8 a.m. and 9 p.m. in
the consumer’s local time zone, caps call frequency, and requires specific
disclosures in electronic communications. CloudContactAI’s platform is built
around these requirements.
How does CloudContactAI handle opt-outs?
Any consumer who replies STOP, UNSUBSCRIBE, QUIT, CANCEL, END, or REVOKE is immediately added to a suppression list. That number is never messaged again across any campaign or portfolio in your account. Suppression is real-time and permanent unless the consumer re-consents.
Do I need prior consent to text a debtor?
Under TCPA, prior express consent is required to send text messages to a
consumer’s cell phone. The consent standard differs depending on the type of
message and how the number was obtained. We recommend working with your compliance counsel on consent documentation. CloudContactAI stores and logs consent records for your accounts.
Can I manage multiple creditor portfolios in one account?
Yes. CloudContactAI’s Enterprise Dashboard supports full portfolio isolation. Each creditor or debt portfolio gets its own campaigns, sender IDs, opt-out lists, and reporting. There is no data bleed between portfolios.
How quickly can I get started?
Most agencies are sending compliant campaigns within a few business days of
signing up. Account setup, 10DLC registration, and template review typically
take 2–5 business days depending on carrier processing times.