ACA 2026: What Compliance Leaders Should Take Away from This Year’s Conference

ACA’s Annual Convention showcased the challenges and opportunities shaping the future of the ARM industry. Topics ranged from leadership and innovation to operational efficiency. But this was the theme that stood out the most to me: Artificial intelligence is not a future consideration. It’s a present reality. The conversation has evolved beyond whether organizations should…

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Outbound and Inbound AI Voice Bots: A Practical Guide to Mitigating Risk

At a high level, inbound AI voice bot interactions present lower regulatory and operational risk than outbound use cases. The reason comes down to who initiates the interaction and the consumer’s level of expectation and readiness.   Inbound Calls: Lower Risk Profile Inbound calls are: Initiated by the consumer Typically intent-driven (the consumer is prepared…

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Running AI in Collections: Governance That Works

This is the third post in our three-part blog series, Responsible AI in Collections: Privacy, Proof, and Practical Guardrails. In the first post of this series, I argued that explainability is no longer optional: if you can’t explain an AI decision, you shouldn’t ship it. The second post explored how states like California, Colorado, Texas,…

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Safe, Confident AI Adoption in Collections: What the Experts Recommend

Owing to the proliferation of artificial intelligence (AI), virtually every industry doing business throughout the world is starting to look substantially different today than it did even a year ago. It’s happening at a pace not seen since the emergence of the internet, and collections is no different. While you are undoubtedly feeling pressure to…

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Collections AI: If You Can’t Explain It, Don’t Ship It

This is the first post in our three-part blog series, Responsible AI in Collections: Privacy, Proof, and Practical Guardrails. AI didn’t erase our privacy obligations; it magnified them. As data flows across CRMs, dialers, payment portals, and analytics engines, and as AI trains on patterns it encounters, our duty is unchanged: protect the data, know…

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