Identify FDCPA risks in automated collection systems and build defensible controls.
(Problem) Debt collection now runs largely on automated systems; dialers, messaging platforms, account-routing logic, scoring models, and reporting tools; yet many collection operations do not fully understand how those systems create liability that a human-run process would have avoided. Automated workflows can contact consumers too often or at the wrong times, send inaccurate or misleading messages at scale, omit required disclosures, and fail to recognize when a consumer has disputed a debt or asked the collector to stop. Under the FDCPA, each of those missteps can become a violation that repeats across an entire portfolio. (Solution) This program explains how federal debt collection requirements apply inside an automated environment and pinpoints where AI-driven collection systems most often generate risk. Attendees will see how a single automated error cascades into systemic violations, how regulators and courts view automation when they assess a collector's conduct, and which oversight and documentation practices help build a defensible operation. The session then walks through practical, build-in safeguards; human review checkpoints, monitoring and audits, and recordkeeping -- that reduce regulatory and litigation exposure without sacrificing the efficiency that makes automation valuable. Compliance officers, collection operations leaders, and the attorneys who advise them will leave able to identify their highest-risk automated processes and implement controls that withstand scrutiny.
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Over 39 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Agenda
The Automated Collection Environment
- How Automation Has Changed the Operational Reality of Collections
- Where AI Is Embedded Today: Communication, Routing, Scoring, and Reporting
FDCPA Framework in an Automated Environment
- Communication Timing, Frequency, and Channel Requirements
- Disclosure Obligations That Automated Systems Routinely Miss
- Consumer Rights Protections That Do Not Bend for Technology
High-Risk Areas in AI Collection Systems
- Frequency and Time-Of-Day Violations Driven by Algorithmic Scheduling
- Inaccurate or Misleading Messaging Generated at Scale
- Lack of Account-Level Nuance in Automated Workflows
Real-World Risk Scenarios
- How Automated Errors Cascade Into FDCPA Violations
- Case-Style Examples Drawn From Enforcement Patterns
Oversight and Compliance Controls
- Human Review Checkpoints That Interrupt Error Propagation
- System Audits and Ongoing Monitoring Protocols
- Documentation Practices That Support a Defense
Building a Defensible Collection Model
- Balancing Operational Efficiency With Compliance Requirements
- Designing Automated Systems That Withstand Regulatory and Litigation Scrutiny
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Over 39 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Credits
OnDemand Course
This course was last revised on August 18, 2026.
Call 1-866-352-9540 for further credit information.
- AR CLE 1.0
- This course has been approved for 1.0 hour(s) of CLE by the Arkansas CLE Board.
- Arizona CLE 1.0
- The Arizona State Bar does not pre-approve or pre-certify MCLE programs. However, records of this program and attendance will be maintained by Lorman Education Services/Noggin Guru for auditing purposes. This activity may qualify for up to 1.0 hour(s) toward your annual CLE requirement for the State Bar of Arizona.
- CA MCLE 1.0
- Lorman Education Services/Noggin Guru is a State Bar of California approved MCLE sponsor and this course qualifies for 1.0 CLE hour(s) of participatory credit.
- CT CLE 1.0
- Neither the Connecticut Judicial Branch nor the Commission on Minimum Continuing Legal Education approve or accredit CLE providers or activities. This course has been approved for CLE credit in jurisdictions aside from CT and therefore it automatically meets the content and delivery requirements in Connecticut. Credit is based on a 60 minute credit hour and shall be awarded as follows: 1.0 CLE credit(s).
- GA CLE 1.0
- This program has been approved by the Georgia Commission on Continuing Lawyer Competency for 1.0 CLE hour(s).
- HI CLE 1.0
- This program was approved by the Hawaii State Board of Continuing Legal Education for 1.0 CLE credit hour(s).
- MO CLE 1.3
- This course qualifies for self-study CLE credit in Missouri.
- NH MCLE 1.0
- NH MCLE does not approve or accredit CLE activities for the NH Minimum CLE requirement. Lorman Education Services/Noggin Guru believes this Ondemand course meets the requirement of NH Supreme Court Rule 53 and may qualify for CLE credit(s). Program Length: 65 Minutes.
- NJ CLE 1.3
- This program has been approved by the Board on Continuing Legal Education of the Supreme Court of New Jersey for 1.3 hour(s) of total CLE credit.
- PA CLE 1.0
- This Distance Learning program has been approved by the Pennsylvania Continuing Legal Education Board for 1.0 hour(s) of substantive law, practice and procedure CLE credit.
- VT CLE 1.0
- This self-study program has been approved by the Mandatory Continuing Legal Education Board of Vermont for 1.0 hour(s) of CLE credit. Please note: Attorneys may only claim 12 credits per compliance period in this format. This course is considered "Non-Moderated Programming without Interactivity".
- WV MCLE 1.3
- This program has been approved by the West Virginia State Bar MCLE Commission for 1.3 MCLE hour(s).
To earn each credit Lorman offers through the OnDemand learning platform, you need to watch 100% of the program. Also, for certain credits you will need to fulfill additional requirements which will be displayed on the "credits" tab when viewing the course.
This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
MP3 Download
- Arizona CLE 1.0
- CA MCLE 1.0
- CT CLE 1.0
- HI CLE 1.0
- VT CLE 1.0
- WV MCLE 1.3
This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
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Why Lorman?
Over 39 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Faculty
Tim Sanders
Credit Repair of Florida
Timothy Sanders
- Founder and president of Credit Repair of Florida
- NACSO Certified Credit Specialist
- Published author of Understanding Your Credit Score
- Seminar speaker and Freddie Mac CreditSmart certified trainer
- Member of the National Association of Credit Service Organizations, National Association of Realtors, Mortgage Bankers Association, National Association of Real Estate Brokers, and UF/IFAS Extension Advisory Committee
- B.A. Degree, University of Central Florida
- Can be contacted at [email protected] or 407-734-3426
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