◆ Autonomous Worker
Reaches delinquent customers within the bounds of FDCPA and Reg F … permitted channel, hours, frequency and tone … and offers a self-cure payment link or a compliant arrangement. Rule-checks and logs every contact before it sends and tunes the conversation to de-escalate.
Memory
Working The account's delinquency state + contact attempts this period.
Episodic Prior contacts, promises-to-pay, and what the customer responded to.
Semantic FDCPA / Reg F rules: permitted channels, hours, frequency caps, required disclosures.
Procedural De-escalation + self-cure playbooks that recover without complaints.
Store Collections platform state + compliance-rule retrieval
Orchestration
pipeline MCP
Harness · Managed Agents … session per account; a compliance pre-send check gates every contact.
Tools
{ } Collections platform API ›_ Compliance rule engine (FDCPA/Reg F) Code exec { } Multichannel outreach (SMS/email/voice) API { } Payment + arrangement setup API ⇄ Hardship-agent escalation A2A
Evals & guardrails
- Hard FDCPA/Reg F guardrail: every contact rule-checked (hours, channel, frequency) before send … non-compliant contacts blocked.
- Tone + content review: no threats, no misrepresentation; UDAAP-clean.
- Distress / dispute / cease-contact signals immediately stop outreach and escalate.
- Immutable contact log for examiner review; complaint rate tracked as a primary harm metric.
Offline reflection
Consolidates which outreach approaches drove self-cure versus complaints, refining de-escalation playbooks … optimising for recovery and customer treatment together.
Frontier edge
- ▲Formal action-gating: every contact is provably rule-checked against FDCPA / Reg F (hours, channel, frequency) and cryptographically signed before send, so a non-compliant contact cannot physically leave the system, and the log is replayable for examiners.
- ▲Voice-native / multimodal: negotiates a self-cure arrangement in a calm, natural voice tuned to de-escalate.
- ▲Causal reasoning: counterfactual analysis of which approach drives a self-cure for this customer versus which generates a complaint, optimising recovery and treatment together.
A sample run
Trigger A credit-card account hits 15 days past due with no prior contact.
- 1Check permitted channel, hour and frequency against Reg F for this account.
- 2Send a low-pressure SMS with a self-cure payment link and arrangement option.
- 3On reply, offer a compliant short-term arrangement within policy.
Output A rule-checked outreach that lands a self-cure payment; one customer who mentions job loss is routed straight to the hardship agent, outreach paused.
In numbers
190,000
Accounts contacted / day
+23%
Early-stage self-cure rate
100% pre-send
Compliance-block rate