FDCPA-compliant collections — at scale.
Mini-Miranda recited, validation notices respected, call windows enforced. Floo runs collections operations the way regulators demand — and the way customers respond to.
FDCPA + TCPA
Compliance enforcement built in
Mini-Miranda
Auto-read on every call, audited
100%
Calls archived for compliance review
What it does
Built for the call, not the demo.
Compliance-first call flows
Mini-Miranda, validation notice, ceased-communication requests, time-zone-aware quiet hours — every regulatory detail enforced by the platform, not memory.
- Auto-read mini-Miranda on every call
- State-aware quiet-hour enforcement
- Validation notice tracking
Right-party contact and payments
RPC verification, payment processing on-call, promise-to-pay tracking — fully automated, fully logged.
- RPC scripted verification
- On-call payment processing (PCI-aware)
- Promise-to-pay tracking and follow-up
Audit-ready archive
Every call recorded, transcribed, and tagged with compliance flags. Auditors get the report in minutes, not weeks.
- 100% call recording (no sampling)
- Compliance flag detection
- Search by date, agent, account, flag
Use cases
Where teams put this to work.
Third-party collector
Daily campaign of 50,000 calls. Floo enforces every regulatory rule per state, processes payments on-call, escalates disputes.
Outcome
Compliance complaints dropped to near-zero. Right-party contact rate up.
First-party servicing
Lender's pre-charge-off outreach. Floo treats customers with empathy while capturing payment commitments.
Outcome
Roll rates improved. Customer NPS held steady on a tough function.
Healthcare collections
Patient billing follow-up — sensitive, compliance-heavy. Floo handles the routine, escalates emotional or disputed calls.
Outcome
AR days down. Patient experience preserved.