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COMPLIANCE

Municipal Collection Services by First Credit maintains a fulltime Compliance Staff to help mitigate risk and ensure proper handling of personal data. Our Technology team handles millions of pieces of data each day, and has developed systems and methods to handle your data securely and without error.

We pride ourselves in following the laws of the land. We have implemented our CFPB “Ready” Process (Consumer Financial Protection Bureau) and we fully adhere to the FDCPA along with other State and Federal Compliance Mandates. It is absolutely crucial to work with a collection partner who has been through all of the most important Compliance Audits to ensure proper handling of data security, and great customer service. Municipal Collection Services by First Credit has been through rigorous audits and inspections which have helped position us as one of the most secure and trusted collection agencies in the country. Don’t settle for anything less than 100% Compliance.

We have developed a PROACTIVE APPROACH, and our clients benefit from our innovative Compliant Calling Strategy which allows us to further penetrate collection portfolios that our competitors score and simply eliminate. The following Laws (Which FCS takes very seriously) govern Collection Agencies and help protect consumers from wrongful acts:
o CFPB (Consumer Financial Protection Bureau)
o FDCPA (Fair Debt Collection Practices Act)
o TCPA (Telephone Consumer Protection Act)
o SOC 2 Type II (Service Organization Control)
o PCI DSS 3.0 (Payment Card Industry Data Security Standard)
o GLBA (Gramm-Leach Bliley Act)
o ECOA (Equal Credit Opportunity Act)
o FCRA (Fair Credit Reporting Act)
o UDAAP (Unfair, Deceptive, or Abusive Acts or Practices)
o SCRA (Service Civil Relief Act)
o HIPAA (Health Insurance Portability and Accountability Act)