Mini-Miranda delivered on every call
- Hard-coded opening line — cannot be skipped or rephrased by the AI
- Identifies the agency and the purpose of the communication
- Logged on every call with timestamp and full transcript
Mockingjay Compliance
Built for compliance from the ground up
Every Mockingjay collections deployment is engineered around the FDCPA, Regulation F, TCPA, and applicable state laws. Here's exactly how we keep your collection operation protected.
Federal
FDCPA
CFPB
Regulation F
Telecom
TCPA
Coverage
All 50 states
Identification & disclosure
Third-party disclosure protection
- Identity verification gate before any debt information is shared
- If a non-consumer answers, the agent only requests a callback
- Debt details never disclosed to spouses, coworkers, or family members
Clear AI disclosure
- Consumers are told they're speaking with an AI assistant on every call
- Meets disclosure requirements in California, Colorado, Illinois, and beyond
- Builds consumer trust and reduces dispute friction
Contact rules & call discipline
Reg F 7-in-7 frequency cap
- System-enforced limit of 7 calls per debt in any 7-day rolling window
- 7-day cooldown after any conversation about a specific debt
- Enforced at the dialer level, not by AI prompt — impossible to override
Time-of-day enforcement
- No calls before 8 AM or after 9 PM in the consumer's local time zone
- Time zones auto-detected from area code and address data
- State-specific quiet hours respected where applicable
TCPA consent verification
- No number gets dialed without verified prior express consent on file
- Onboarding includes consent audit and source documentation
- Numbers with questionable consent are flagged and routed to human agents
Consumer rights handling
Cease & desist recognition
- Aggressive classifier catches any variation of stop-contact language
- Agent immediately ends the call and logs the request
- Account flagged in your CRM with all future outreach blocked
Dispute & validation rights
- Recognizes dispute language and immediately logs the request
- Collection activity paused on the account until validation is sent
- Escalated to a human handler for next steps within minutes
Human escalation triggers
- Attorney representation, bankruptcy, or hardship claims route to a person
- Escalated emotional states or repeated objections leave AI scope
- AI handles the routine 70% — humans handle anything sensitive
Audit trail & record keeping
Three-year retention on everything
- Full call recordings, transcripts, and AI decision logs preserved
- Meets Reg F record-keeping requirements out of the box
- Searchable and exportable for litigation or examiner requests
Recording consent
- Recording disclosure delivered on every call by default
- Two-party consent states fully supported
- Recordings stored encrypted at rest and in transit
Live compliance dashboard
- See every disclosure delivered, every cease honored, every cap respected
- Per-call compliance scoring with exportable reports
- Flag and review any conversation that warrants a closer look
Compliance is not a feature we added — it's the foundation Mockingjay runs on.