Back to Home
Compliance Statement

ResolveIQ Recovery Group
Formal Compliance Declaration

Issued: June 10, 2026 Version: 1.0 Review Cycle: Annual

Compliance Framework Overview

ResolveIQ Recovery Group operates under a comprehensive compliance management system designed to ensure all platform activities align with applicable federal and Texas state regulations governing commercial debt collection. This statement documents our compliance posture, regulatory references, oversight mechanisms, and operational commitments.

This Compliance Statement is reviewed and updated annually, or whenever material changes to the regulatory environment or platform operations occur. The current version is maintained at /compliance-statement on the ResolveIQ Platform.

Texas Finance Code Chapter 391 — Compliant Operations

ResolveIQ Recovery Group maintains its operations in alignment with Texas Finance Code Chapter 391 and applicable federal standards. This compliance statement serves as formal documentation of our regulatory commitment.

Regulatory Standards Reference

Our compliance framework is built around the following regulatory standards, applied to commercial collection operations as conducted through the Platform:

TX F.C. §391 Texas Finance Code Chapter 391 — state licensing, communication rules, documentation requirements, and prohibited collection practices for commercial collection agencies operating in Texas
FDCPA (15 U.S.C. §1692) Fair Debt Collection Practices Act — core principles applied to all collection communications (email, SMS, portal notifications) to the extent applicable to commercial context
FCRA Fair Credit Reporting Act — applicable to any credit reporting activity conducted on accounts through the Platform, including accuracy and dispute handling requirements
GLBA / Safeguards Rule Gramm-Leach-Bliley Act and FTC Safeguards Rule — data security standards for protecting financial information held in platform systems
PCI DSS Payment Card Industry Data Security Standard — applicable to all payment processing through the Platform via Stripe, Level 1 compliance required
CCPA / Applicable State Privacy Laws California Consumer Privacy Act and comparable state privacy laws — data collection, use, and disclosure requirements for personal information of applicable individuals

Compliance Requirements Matrix

Requirement
Description
Status
State Licensing
Collection activities conducted only under valid state license(s). Licensing credentials maintained and audited.
Active
Communication Timing
Automated outreach limited to legally compliant hours. System prevents dispatch outside permitted windows.
Active
Written Disclosures
Required legal notices and debtor rights disclosures included in all initial collection communications.
Active
Communication Logging
All outbound communications logged with timestamp, channel, recipient, content summary, and outcome status.
Active
Dispute Handling
Disputes received, acknowledged, and routed for investigation. Collection activity suspended during investigation.
Active
Cease-Communication
Cease requests trigger immediate halt of all automated outreach. Account flagged for operator review.
Active
Fee & Interest Limits
All assessed fees and interest calculated within statutory limits. System prevents demands exceeding legal caps.
Active
Third-Party Contact
Communication with debtor attorneys, employers, or representatives limited to permitted circumstances, logged in audit trail.
Active
Data Security
Encryption at rest and in transit, role-based access controls, PCI-compliant payment processing via Stripe.
Active
AI Oversight Controls
AI-drafted communications subject to human review for sensitive actions. AI recommendations are inputs, not final decisions.
Active

Compliance Management System

ResolveIQ maintains a structured compliance management system with the following components:

Compliance Documentation

All platform compliance controls, policies, and procedures are documented and version-controlled. Documentation is reviewed whenever regulatory changes occur and at minimum annually.

Operator Training

Platform operators receive compliance training on Texas collection law, communication standards, dispute handling, and data handling requirements before accessing the platform independently.

Compliance Monitoring

Automated compliance checks run on all communication templates before activation. Account-level compliance scores reflect communication history, dispute rates, and regulatory flags.

Audit Trail Maintenance

Immutable audit logs maintained per account — every action logged with timestamp, operator attribution, and outcome. Audit trails available for regulatory review within 72 hours of request.

Oversight and Accountability

Compliance oversight at ResolveIQ is structured with clear accountability at every level:

AI System Oversight

  • AI recommendations are always suggestions — human approval required before sensitive actions execute
  • AI outputs reviewed against regulatory requirements before and after deployment
  • Compliance flags on AI-suggested pathways require human sign-off
  • AI scoring model reviewed for bias and accuracy quarterly

Operator Accountability

  • All operator actions logged and attributable to individual accounts
  • Approval gates prevent bypass of required review steps
  • Compliance dashboard shows real-time flags requiring attention
  • Escalation protocols for regulatory inquiries, litigation holds, and complaints

Dispute and Cease-Communication Commitments

ResolveIQ maintains specific, documented commitments for dispute handling and cease-communication protocols:

Process
Commitment
Timeline
Dispute Acknowledgment
Debtor dispute received via any channel is acknowledged within one business day
1 Day
Dispute Investigation Hold
Automated collection activity on disputed accounts suspended pending resolution
Immediate
Cease-Communication Halt
Cease requests from debtor or attorney trigger immediate halt of all automated outreach
Immediate
Dispute Resolution Outcome
Investigation findings communicated to debtor and client within reasonable timeframe based on complexity
As Needed
Regulatory Inquiry Response
Audit trail data provided to regulatory authorities within 72 hours of verified request
72 Hours

Annual Review and Continuous Improvement

This Compliance Statement is reviewed annually, or when triggered by material changes in applicable law, platform functionality, or identified compliance gaps. Review activities include:

Compliance gaps identified during review are documented with remediation plans and timelines. Significant gaps are reported to ResolveIQ leadership within 5 business days of identification.

Contact

For questions regarding this Compliance Statement, to report a compliance concern, or to request documentation related to a specific account's compliance history, contact ResolveIQ Recovery Group through the Platform or via the contact information provided on our website.

Compliance-related communications are reviewed by designated compliance personnel and addressed within two (2) business days of receipt.