Collect More. Stay Compliant. The SMS-First Debt Recovery Platform Built for Reg F
Agencies using CloudContactAI recover more in less time – with automated TCPA and Reg F compliance built in, not bolted on.
Built for Compliance. Ready for Reg F.
CloudContactAI handles the compliance requirements that keep collection agencies up at night – so your team can focus on results.
TCPA-Safe Opt-Out Handling
Every opt-out is captured and honored automatically across all channels – SMS, email, and voice in real time.
Reg F Message Timing Enforcement
Messages are sent only within the Reg F-compliant windows (8 am – 9 pm local debtor time) – automatically enforced.
FDCPA Mini-Miranda Automation
Required FDCPA disclosures are automatically included in initial contact messages – every time, no manual checks needed.
What Our Clients Say
Real Experiences, Real Results – See how CloudContactAI is transforming businesses
with smarter customer communication.
“CCAI has been instrumental in helping us expand our SMS capabilities by enabling brand and campaign registration for our third-party collection clients, giving them access to a powerful new communication channel. Their deep industry knowledge and fast, responsive support have significantly reduced our registration timelines and helped ensure compliance every step of the way. Thanks to CCAI, our clients are now seeing increased consumer contact rates and improved collection success.”
— Ryan Perry, Executive Vice President, Operations at Paydoff
Accounts Managed
Via Automated Outreach
Rate via SMS Campaigns
One Platform. Every Channel. Full Compliance.
Reach More Debtors Without Legal Risk
Our platform simplifies debt recovery with multichannel communication- SMS, email, and voice – all in one system. The customizable Enterprise Dashboard makes it easy to oversee campaigns, track results, and manage different portfolios, giving your debt management and collections system greater flexibility and control.
For settlement agencies, SMS deliverability is often the single biggest factor in whether a campaign succeeds or fails.
Manage Every Portfolio from One Dashboard
CloudContactAI delivers everything agencies need in one powerful solution. From seamless SFTP file uploads to independent portfolio management, our debt collectors software supports real-time, two-way engagement. This makes debt collection and recovery more efficient while keeping consumer communication clear and compliant.
Agencies looking to add SMS under their own brand can also explore white label SMS for debt collection to outsource deliverability entirely.
From Account Upload to Resolution in 6 Steps
CloudContactAI automates the entire debtor journey – compliantly, across every channel.
Account Upload
Portfolio Segmentation
Automated Outreach
SMS, email, and voice – sent within Reg F windows, automatically.
Two-Way Reply
Payment / Settlement
Debtors pay, settle, or dispute – all handled inside the platform.
Resolution & Reporting
Fully Customizable
Enterprise Dashboard
Seamlessly integrate CloudContactAI with your favorite apps to streamline communication and automate workflows.
Outstanding Payments
Send automated, compliant payment reminders via SMS at the optimal time – within Reg F’s 8 am–9 pm local window. Debtors know exactly what they owe and when. Agencies using CloudContactAI see up to 3× higher open rates vs. email. See how compliant debt collection SMS software keeps you inside Regulation F requirements.
Missed Payments
Automatically follow up every time a debtor misses a scheduled payment. Use compliant two-way SMS to dispute balances, confirm payment plans, or escalate – all from one inbox. See our debt collection text message templates that get responses and stay compliant.
Negotiate Settlements
Enable real-time settlement negotiation via two-way SMS. Your team can discuss payment plans, interest, and late fees in a compliant, documented thread with every message logged.
Right-Party Contact
Confirm you’re reaching the actual debtor – not a family member or wrong number. CloudContactAI’s verification flow satisfies Reg F’s limited-content message requirements before any account details are shared.
A Platform That Grows With Your Agency’s Compliance Needs
CloudContactAI’s debt collection software is built to adapt, not to fit into a one-size-fits-all mold. We provide customizable debt recovery solutions designed for enterprises with diverse requirements. Regular updates and flexible features ensure your debt management and collections system evolves with your business.
Start simplifying recovery operations with technology that works for you. Experience the power of our debt recovery platform
Frequently asked questions
Is text messaging allowed for debt collection?
Yes. The Fair Debt Collection Practices Act (FDCPA) and Regulation F explicitly permit text messaging for debt collection, provided the messages include proper disclosures, honor opt-outs, and are sent within permitted hours (8 am – 9 pm local debtor time). CloudContactAI automates all of these requirements.
How does CloudContactAI handle opt-outs under Reg F?
Every opt-out whether via SMS reply (STOP), email unsubscribe, or phone request is captured and honored automatically within seconds. Opt-outs are synced across all channels so a debtor who opts out of SMS is also removed from email and voice outreach.
What is a limited-content message under Reg F?
Can CloudContactAI integrate with our existing collections platform?
How long does it take to get started?
Most agencies are live within 1-2 business days. Onboarding includes account setup, SFTP or API integration, template compliance review, and a test campaign before going live.