The language behind better decisions.

An automated customer service system is technology, such as a chatbot, an AI voice agent, or a phone menu, that handles customer service conversations where all or nearly all of the communication comes from the technology rather than a person. New York City's proposed rules define the term.

The automatic stay is the stay created by Section 362 of the U.S. Bankruptcy Code. Under 11 U.S.C. 362(a), a bankruptcy petition "operates as a stay, applicable to all entities," of collection actions, lawsuits, lien enforcement, setoff, and other acts listed in the statute.

A bankruptcy scrub is an operational check that matches a creditor's accounts against bankruptcy filing records to identify borrowers who have filed, so collection activity on those accounts can be stopped or routed for review.

The Fair Debt Collection Practices Act (FDCPA) is the 1977 federal law, at 15 U.S.C. 1692 to 1692p, that governs how debt collectors communicate when collecting consumer debts and prohibits harassing, false or misleading, and unfair collection practices. The CFPB's Regulation F implements it.

Human-in-the-loop (HITL) is a control design in which a person reviews, approves, challenges, or can override an AI system's output or decision before it is used. In lending and collections, it usually means a staff member checks or signs off on what an AI agent proposes at set points in a workflow.

The Telephone Consumer Protection Act (TCPA) is the 1991 federal law, codified at 47 U.S.C. 227, that restricts calls made with an autodialer or an artificial or prerecorded voice, telephone solicitations, and unsolicited fax ads. The FCC's rules implementing it are at 47 CFR 64.1200.