Vaami is an AI voice agent built for payment reminder and status calls — with call-frequency, calling-hours, and consent logic configured around Regulation F, the FDCPA, and the TCPA from the start, not bolted on afterward.
Most small and mid-size collection operations manage call-frequency and calling-hours compliance manually, which is exactly where violations happen at scale. Vaami builds these limits into the calling logic itself.
The CFPB's Regulation F creates a presumption that more than 7 calls to a consumer about a specific debt within a 7-day period, or a call within 7 days of a completed conversation about that debt, violates the FDCPA. Vaami's call-frequency logic is configured against this limit per account, not just per phone number.
The FDCPA restricts collection calls to between 8am and 9pm in the consumer's local time zone. Vaami enforces this window automatically based on the number's location, and honors any different time the consumer has specifically requested.
Under the general TCPA, autodialed, prerecorded, or artificial-voice calls to a mobile number require the consumer's prior express consent. A narrower, separate FCC rule permits limited robocalls without new consent specifically to collect debt owed to or guaranteed by the U.S. government (e.g. federal student loans) — capped at 3 calls per 30-day period per loan, 8am–9pm only, prerecorded messages under 60 seconds. This narrower exemption does not apply to private consumer debt generally.
A consumer's written or verbal request to stop calling, or a debt dispute, is logged and honored immediately — calls to that account stop (beyond a single notice of further action, where permitted) until the request is resolved.
This is a general overview, not legal advice — confirm your specific obligations under the FDCPA, Regulation F, the TCPA, and any applicable state law (including stricter state statutes like Florida's) with qualified counsel before deploying any collection calling program, AI or human.
Yes, provided it operates within the same rules that apply to human collectors — the FDCPA, Regulation F, the TCPA, and any applicable state law (some states, like Florida, add their own stricter telemarketing/collection-call statutes with a private right of action). An AI voice agent doesn't get different rules; it needs the same call-frequency limits, calling-hour restrictions, and consent handling built in.
Call attempts are tracked per consumer, per specific debt — not just per phone number — against the 7-calls-in-7-days presumption (or one completed conversation per 7 days). Once a threshold is reached, further calls on that account pause automatically rather than relying on a human to remember to stop.
No. Vaami's role is limited to informational calls — reminders, balance status, and scheduling — and it hands off to a licensed human collector for anything involving negotiation, settlement terms, or legal escalation. It never uses threatening language or implies consequences that aren't accurate and authorized.
The request is logged immediately and calling on that account pauses. Under the FDCPA, a written dispute within 30 days of the initial notice requires the collector to verify the debt before continuing collection activity — that verification step stays with your compliance team, not the AI.
No — that specific, stricter limit is a narrower FCC exemption that applies to autodialed or prerecorded calls collecting debt owed to or guaranteed by the U.S. government (for example, federal student loans), not private consumer debt generally. Private debt collection calls are governed primarily by the FDCPA, Regulation F's 7-in-7 presumption, and general TCPA consent rules for autodialed/prerecorded calls.
Vaami's calling logic can be configured per state where stricter rules apply — for example Florida's mini-TCPA statute, which carries its own private right of action and statutory damages. Confirm your specific state obligations with legal counsel; this page is a general overview, not legal advice.
Book a demo and we'll walk through how call-frequency and calling-hours logic is configured for your specific portfolio.
No credit card required · Not legal advice — confirm requirements with counsel