Consent and do not contact
TCPA and opt-outs
Business owners are often reached on their mobile phones. Consent is recorded per channel with its source and time, and a do-not-contact request blocks every channel.
Yati CRM · Compliance
Debt settlement compliance software that checks every action first.
Every call, text, email, contract, draft change and settlement passes a compliance gate on the server before it happens. Violations are stopped instead of discovered, and every decision is kept as evidence.
- Actions gated
- 8 types
- Decisions logged
- 100%
- Checked
- Before
Compliance gate · today
every decision logged- ALLOWED
Call · Daniel Reyes · CA
2:14 PM in the lead's time zone
- BLOCKED
Text · Aisha Johnson · FL
No SMS consent on file
- BLOCKED
Call · Robert Williams · OH
Daily contact limit reached
- BLOCKED
Draft change · Client 10482
Too close to the scheduled draft date
- BLOCKED
Settlement approval · Client 10377
Escrow would not cover every payment
- ALLOWED
Settlement approval · Client 10291
Approved in the client portal; the fund covers every payment
Regulations
The rules debt settlement runs under, checked in software
Each body of rules is checked before the action, and the reason for every decision appears in the log and on the agent's screen.
Settlements
Client approval and escrow
No settlement goes ahead until the client's approval is recorded and escrow covers every payment.
CAN-SPAM
Commercial email
Unsubscribes honoured on every email, from every user and every workflow.
Calling rules
Calling windows and frequency
Calling windows checked in the business's local time zone, including stricter state windows, and contact limits per channel.
Program terms
Your contracts and processors
Fees, settlement ranges and lengths inside your limits; draft changes only with the client's agreement and notice.
Client access
Portal and documents
Sign-in codes only for invited clients, and document requests only while they are open and on file.
Federal rules
- Do not contact
- TCPA consent
- CAN-SPAM
Compliance gate
Checked on the server, before the action
Your rules
- State calling rules
- Program and processor terms
- Portal and document access
How the gate decides
Checked on the server, at the moment someone acts
- 1
Someone acts
An agent clicks Text on a lead. The screen already shows whether texting is allowed.
- 2
The gate checks on the server
Do not contact, consent, calling hours and frequency, against current settings and the lead's local time.
- 3
Allowed or blocked, with the reason
Allowed: it goes out and is logged. Blocked: nothing is sent, and the agent sees the rule and why.
What passes through the gate
- Calls
- Texts
- Emails
- Contracts
- Draft changes
- Settlement approvals
- Portal sign-in codes
- Document requests
AI disclosure checks
Every recorded call is checked for your required disclosures, and misses go to a manager's queue. Recordings are deleted 6 months after the call, and each deletion is recorded.How the AI works →
Rule set
Rules in code, limits in your hands
The rules are part of the product. Their limits, such as calling windows and contact limits, are settings your admins control, without waiting for a release.
Changing a rule is a decision on the record
- Every save is a new version, with who made it and why. Old versions are never overwritten.
- Each gate decision records the settings version it used.
- A change takes effect on the next attempt; nobody has to redeploy.
Settings history
- v14 · Calling window narrowed · compliance managerActive
- v13 · Text limit lowered · adminKept
The screen warns before you cross a line
- Turning off do not contact or consent for a channel.
- Turning off email opt-outs (CAN-SPAM), or calling outside 8 AM to 9 PM.
- Raising the contact limit for calls or texts on any channel.
- To save, the admin accepts the risk and gives a reason, kept with the version.
Audit-ready
When an examiner asks "why?", you have the answer
Every gate decision
Allowed or blocked, with the rule version, settings version, thresholds and facts used.
Every change
Who changed what, before and after, whether a person, the system or an approved AI suggestion.
Every approval
How the client agreed, and for portal approvals the time, IP address and browser.
Every call
A recording notice on each call, the recording kept 6 months, disclosures checked.
- "Did this client consent to texts?"
- The consent record for that channel, with where it came from and when.
- "Why was this call placed at 8:40 PM?"
- The gate decision, with the lead's local time and the calling window in force.
- "Who approved this settlement, and how?"
- The approval record: recorded call, in writing or in the portal with time, IP address and browser.
- "Who widened the calling window, and why?"
- The settings version, with who saved it, the reason given and the risk they accepted.
- "Were the required disclosures read?"
- The disclosure check on the recorded call, and the manager review if one was missed.
- "Which rule blocked this draft change?"
- The decision log entry: rule code, settings version, thresholds and the facts it used.
Compliance sits on top of the security model: a separate environment per company, sealed account numbers and an append-only audit log.See security →
FAQ
Questions about debt settlement compliance
What is debt settlement compliance software?
Software that checks the rules a debt settlement company operates under, such as consent, do not contact, calling windows, commercial email rules and program terms, at the moment someone acts, and keeps the evidence of each decision.
Do these rules apply to business (MCA) debt?
Many do. Calls and texts to business owners' mobile phones, commercial email and state calling rules can still apply, and your contracts and processor set rules for every draft. Which rules apply to your programs is a question for your counsel; Yati CRM enforces the settings you choose.
How is TCPA consent tracked?
Consent is captured per channel with its source and time. A call or text without consent for that channel is blocked, and the agent sees why.
Can we change the rules ourselves?
The rules are part of the product. Their limits, such as calling windows, contact frequency, notice periods and program terms, are settings your admins change without a release. Every save is a new version with who made it and why.
What happens when an action is blocked?
Nothing is sent or changed. The person sees the rule code and the reason, and the decision is recorded in the log.
Does Yati CRM replace our compliance team?
No. It enforces the settings you choose and keeps the evidence. Review your rule settings and disclosures with counsel before you go live and whenever the law changes.
Your rules, your counsel
Yati CRM ships with a starting rule set and enforces the settings you choose. It isn't legal advice and doesn't replace your compliance team: review your rule settings and disclosures with counsel before you go live, and whenever the law changes.
Watch the gate block a call, live
A walkthrough on demo data: consent, calling hours and settlement funding checked in real time, and the evidence each decision leaves. Bring your compliance officer.