Overview / Policy

The policy is data

Nothing in the gate hard-codes a legal threshold. Every rule below is read from policy.json at runtime, and the same file drives the Python gate and the Node Agent Skill. A test runs both over the same accounts and compares every verdict.

us-federal-collections

Version 1.0.0

Jurisdiction: US-FEDERAL
Call window: 08:00-21:00, local to the recipient
Timezone source: account.timezone
Authorities: TCPA (47 U.S.C. 227) · FDCPA (15 U.S.C. 1692) · Regulation F (12 CFR 1006)

What this is not

Stated plainly, because an overclaim here would be the costly kind.

Legal advice: No. An engineering encoding of documented requirements.
Sufficient: No. ALLOW is necessary for this policy, not proof a call is lawful.
Complete: No state rules, frequency caps, or reassigned-number checks.
Guessing: Never. A missing timezone or consent record is a refusal.

The five rules

Rules 1–4 run before dialling. Rule 5 runs during and after the call. Each carries the property it enforces, written as a temporal-logic formula: G is “always”, F is “eventually”.

Rule	Requirement	On failure	Authority	Property
R1 call window before dialling	Dial only between 08:00 and 21:00 in the recipient's stored local timezone.	OUTSIDE_CALL_WINDOW	FDCPA 1692c(a)(1); Regulation F 12 CFR 1006.6(b)(1)(i)	G(dial -> local_time_within(08:00, 21:00))
R2 consent on file before dialling	Dial only when prior express consent is recorded with a consent timestamp.	NO_CONSENT	TCPA 47 U.S.C. 227(b)(1)(A)	G(dial -> consent_on_file & consent_timestamp_present)
R3 not suppressed before dialling	Never dial a number on the opt-out or do-not-call suppression list.	ON_SUPPRESSION_LIST	TCPA 47 CFR 64.1200(d); FDCPA 1692c(c)	G(suppressed(number) -> G(!dial(number)))
R4 disclosure ready before dialling	The rendered call script must contain every required disclosure element before the call is placed.	MISSING_DISCLOSURE	FDCPA 1692e(11); TCPA 47 U.S.C. 227(d)(3)(A)	G(dial -> script_contains(all disclosure_elements))
R5 live revocation during the call	If the recipient revokes consent during the call, end the call, record the opt-out, and suppress the number.	OPT_OUT	TCPA 47 CFR 64.1200(a)(10); Regulation F 12 CFR 1006.6(c)	G(revocation_detected -> F(end_call & suppressed(number)))

Required disclosure

Rule 4 refuses a script missing any of these.

caller_identity	The call names the calling entity and, when acting for a creditor, who it is calling on behalf of.
automated_voice_identity	The call states that the caller is an automated or AI assistant.
debt_collection_purpose	FDCPA 1692e(11) purpose disclosure: an attempt to collect a debt and information obtained will be used for that purpose.
opt_out_instruction	The call tells the recipient how to stop future calls.

Revocation phrases

Rule 5 matches these in recipient turns only, so the agent's own “say stop calling” disclosure never counts. The list is a floor, not a ceiling: an opt-out the agent understands but that is not listed must still be honoured.

stop callingstop calling mequit callingno more callsdont call medont call againdont call this numberdo not call medo not call againdo not call this numbertake me off your listtake me off the listremove me from your listput me on your do not call liststop contacting meopt outopt me outunsubscribe me