Overview / Borrowers / A-1005
Every piece of evidence behind this borrower's decision: the record the gate read, each rule it evaluated, the disclosure it checked for, and the audit entries it wrote.
Exactly what the gate was given. Nothing here is inferred.
The record this account produced, whether or not it was called.
All four are evaluated even after one fails, so the full picture is recorded. The block reason is the first failure in policy order.
| Rule | Result | Evidence | Authority |
|---|---|---|---|
| R1 call window | Pass | local time 2026-08-28 09:30 (America/New_York) is inside 08:00-21:00 | FDCPA 1692c(a)(1); Regulation F 12 CFR 1006.6(b)(1)(i) |
| R2 consent on file | Pass | consent recorded 2026-03-08T14:45:00Z | TCPA 47 U.S.C. 227(b)(1)(A) |
| R3 not suppressed | Pass | +1******1238 is not on the suppression list | TCPA 47 CFR 64.1200(d); FDCPA 1692c(c) |
| R4 disclosure ready | Pass | script contains: caller_identity, automated_voice_identity, debt_collection_purpose, opt_out_instruction | FDCPA 1692e(11); TCPA 47 U.S.C. 227(d)(3)(A) |
Rule 4 reads the rendered script before anything dials. Every element must be present.
| Element | What it requires | In script |
|---|---|---|
| caller_identity | The call names the calling entity and, when acting for a creditor, who it is calling on behalf of. | Present |
| automated_voice_identity | The call states that the caller is an automated or AI assistant. | Present |
| debt_collection_purpose | FDCPA 1692e(11) purpose disclosure: an attempt to collect a debt and information obtained will be used for that purpose. | Present |
| opt_out_instruction | The call tells the recipient how to stop future calls. | Present |
The opening the agent is instructed to say, verbatim, first:
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.
Rule 5 re-read this after the call and matched “stop calling” on turn 5. That re-read, not the agent, is what suppresses the number. Simulated call.
| 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. |
Every line this account wrote. Each carries the hash of the line before it in the whole log. See the full chain.
| Ref | Decision | Outcome | Recorded | prev → hash |
|---|---|---|---|---|
| aud_98654e5a | allow | opt_out | 2026-08-28 13:30:00 | 60df5b17ac → 8a3a03ebcb |