Outbound collections compliance

Nothing dials until the policy clears it.

Five US federal rules run before every dial: call window, consent, suppression, disclosure, and live opt-out. Refused calls never reach a provider.

This batch: 3 refused, 4 cleared, 1 opt-out.

Evaluation time

01
Load accounts
Consent, timezone, balance
02
Pre-dial gate
Rules 1 to 4
03
Call or refuse
Blocked rows never dial
04
Audit log
Hash-chained entry
Batch
7
Accounts
Refused
3
Not dialled
Cleared
4
Pre-dial pass
Opt-outs
1
Suppressed
Audit
7
Entries

Results

Borrower decisions

One row per account. Green rules passed; red failed.

J. Doe

+1******1234 · 220.00 USD · 2026-08-28 09:30 EDT local
Cleared

Call completed. Outcome: Promise To Pay. Promised 2026-09-05.

OK Window OK Consent OK DNC OK Disclosure OK Opt-out
Transcript (6 turns)
agent Hello, this is an automated assistant calling on behalf of Northbridge Lending about your account ending 1001. This is an attempt to collect a debt, and any information obtained will be used for that purpose. If you would like us to stop calling, say stop calling and I will end this call and remove your number.
agent Our records show a balance of 220.00 USD that is past due. I am only here to arrange a payment date. Would you like to set a date to pay, or would you rather discuss this with a person?
recipient Yes, this is me. I know about the balance.
agent Would you like to set a date to pay?
recipient I can pay it on September fifth.
agent Noted, September fifth. Thank you. Goodbye.
Technical details
Account A-1001, TZ America/New_York
Outcome promise_to_pay
Audit aud_26cff37a
Disclosure given

R. Alvarez

+1******1235 · 87.50 USD · 2026-08-28 06:30 PDT local
Shows call window block
Refused

Cannot call. Outside the legal window (8am to 9pm local). Never reached a dialer.

NO Window OK Consent OK DNC OK Disclosure
Technical details
Account A-1002, TZ America/Los_Angeles
Block OUTSIDE_CALL_WINDOW
R1: local time 2026-08-28 06:30 (America/Los_Angeles) is outside 08:00-21:00
Audit aud_8ce3400a
Disclosure missing

M. Chen

+1******1236 · 415.00 USD · 2026-08-28 08:30 CDT local
Shows missing consent
Refused

Cannot call. No prior express consent on file. Never reached a dialer.

OK Window NO Consent OK DNC OK Disclosure
Technical details
Account A-1003, TZ America/Chicago
Block NO_CONSENT
R2: no consent recorded on the account
Audit aud_02ab9627
Disclosure missing

T. Okafor

+1******1237 · 1290.00 USD · 2026-08-28 09:30 EDT local
Shows DNC block
Refused

Cannot call. Number is on the do-not-call list. Never reached a dialer.

OK Window OK Consent NO DNC OK Disclosure
Technical details
Account A-1004, TZ America/New_York
Block ON_SUPPRESSION_LIST
R3: +1******1237 is on the suppression list
Audit aud_e95ff827
Disclosure missing

S. Patel

+1******1238 · 64.20 USD · 2026-08-28 09:30 EDT local
Shows live opt-out
Cleared

Call completed. Recipient opted out. Number suppressed.

OK Window OK Consent OK DNC OK Disclosure NO Opt-out
Transcript (6 turns), opt-out detected
agent Hello, this is an automated assistant calling on behalf of Northbridge Lending about your account ending 1005. This is an attempt to collect a debt, and any information obtained will be used for that purpose. If you would like us to stop calling, say stop calling and I will end this call and remove your number.
agent Our records show a balance of 64.20 USD that is past due. I am only here to arrange a payment date. Would you like to set a date to pay, or would you rather discuss this with a person?
recipient Who is this?
agent An automated assistant calling about your past-due account.
recipient Stop calling me. I do not want these calls.
agent Understood. I will remove your number and you will not receive further calls from us. Goodbye.
Gate Matched “stop calling”. Call ended, outcome recorded as opt out, number suppressed.
Technical details
Account A-1005, TZ America/New_York
Outcome opt_out
Audit aud_98654e5a
Disclosure given

K. Novak

+1******1239 · 152.75 USD · 2026-08-28 09:30 EDT local
Cleared

Call completed. Outcome: No Answer.

OK Window OK Consent OK DNC OK Disclosure Opt-out
Technical details
Account A-1006, TZ America/New_York
Outcome no_answer
Audit aud_edfd6351
Disclosure missing

D. Whitfield

+1******1240 · 730.00 USD · 2026-08-28 09:30 EDT local
Cleared

Call completed. Outcome: Dispute.

OK Window OK Consent OK DNC OK Disclosure OK Opt-out
Transcript (5 turns)
agent Hello, this is an automated assistant calling on behalf of Northbridge Lending about your account ending 1007. This is an attempt to collect a debt, and any information obtained will be used for that purpose. If you would like us to stop calling, say stop calling and I will end this call and remove your number.
agent Our records show a balance of 730.00 USD that is past due. I am only here to arrange a payment date. Would you like to set a date to pay, or would you rather discuss this with a person?
recipient That balance is not mine. I already closed that account.
agent Understood. I will record that you dispute this balance.
recipient Yes, please do.
Technical details
Account A-1007, TZ America/New_York
Outcome dispute
Audit aud_80358dda
Disclosure given

Audit trail

Append-only hash chain.

Cleared: Promise To Pay
A-1001 · aud_26cff37a
Refused: Outside Call Window
A-1002 · aud_8ce3400a
Refused: No Consent
A-1003 · aud_02ab9627
Refused: On Suppression List
A-1004 · aud_e95ff827
Cleared: Opt Out
A-1005 · aud_98654e5a
Cleared: No Answer
A-1006 · aud_edfd6351
Cleared: Dispute
A-1007 · aud_80358dda
7 entries verified from genesis.

Do-not-call list

Checked before every dial.

+1******1237
Opt Out · 2026-06-11
+1******1299
Dnc Request · 2026-05-02
+1******1238
Opt Out · 2026-08-28

Policy

us-federal-collections v1.0.0 · 08:00-21:00

R1 · Call Window
Dial only between 08:00 and 21:00 in the recipient's stored local timezone.
R2 · Consent On File
Dial only when prior express consent is recorded with a consent timestamp.
R3 · Not Suppressed
Never dial a number on the opt-out or do-not-call suppression list.
R4 · Disclosure Ready
The rendered call script must contain every required disclosure element before the call is placed.
R5 · Live Revocation
If the recipient revokes consent during the call, end the call, record the opt-out, and suppress the number.