✓ CA DCLA License #11445-99·✓ TCPA Compliant·✓ Intuit App Partner·✓ GLBA / CCPA Compliant·✓ Licensed & Bonded
🛡️ Compliance

Licensed. Compliant.
Fully Protected.

AR Collector is the only Voice AI collections platform built on a debt collection license from day one. Every call made on your behalf is fully compliant — by law, not just policy.

🛡️
CA DCLA License
#11445-99 — Licensed & Bonded
📋 Request Compliance Overview 📞 Talk to Our Compliance Team
Our License

What CA DCLA #11445-99
Means for You.

Most businesses can't legally make automated collection calls. We can — and we do it on your behalf.

⚖️
You're Calling Under Our License

AR Collector holds a CA Department of Consumer and Legal Affairs (DCLA) license. When our AI calls your customers, it does so as a licensed collection entity — not as your business. This distinction is critical.

✓You don't need your own collection license
✓We're the licensed entity making all calls
✓Licensed in California — authorized to conduct business-to-business collections nationwide
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What the License Covers

Our license authorizes us to conduct collection activity on behalf of creditors — exactly what AR Collector does for you. This isn't a gray area.

✓Automated voice calls to debtors
✓SMS and email collection communications
✓Payment demand and processing
✓Debt validation and dispute handling
Compliance Frameworks

Every Law. Every Regulation.
Built In from Day One.

Plain-language breakdown of every regulation AR Collector operates under — and exactly how we comply.

Regulation What It Covers How AR Collector Complies
TCPA
Federal
 Telephone Consumer Protection Act. Governs outbound automated calling, robocall restrictions, and opt-out requirements. ✓AR Collector operates within TCPA exemptions for B2B creditor-debtor calls. All calls include compliant caller ID, opt-out disclosure, and are made during permitted hours only.
CalFDCPA
California
 California Fair Debt Collection Practices Act. California-specific rules — stricter than federal FDCPA. ✓Our CA DCLA License satisfies CalFDCPA licensing requirements. Scripts reviewed for prohibited language, disclosure requirements, and harassment standards.
GLBA
Federal
 Gramm-Leach-Bliley Act. Governs handling of consumer financial information. ✓AR Collector does not store, sell, or share your customers' financial data. Invoice data is used only to facilitate collection and sync back to QuickBooks.
CCPA
California
 California Consumer Privacy Act. Consumer data rights: access, deletion, and opt-out of contact. ✓AR Collector is CCPA-compliant. Consumers can opt out via our universal opt-out mechanism. Data deletion requests are honored within regulatory timelines.
Who's Protected

The License Sits Between
You and the Call.

AR Collector acts as a regulatory firewall. Your business never touches the legal compliance burden of debt collection outreach.

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Your Business
Creditor. You're owed money. You connect QuickBooks and set your rules.
→
Authorizes collection
🛡️
AR Collector
CA DCLA #11445-99. Licensed entity. Assumes all compliance obligations.
→
Licensed outreach
👤
Your Customer
Receives compliant, professional contact. Full opt-out rights. Pays invoice.
"Your risk is zero. Ours is total."
✅
No license required from you
You don't need a debt collection license to use AR Collector. We hold it. You benefit from it.
✅
Insulated from FDCPA liability
Our license and scripts insulate your business from direct exposure on every call made on your behalf.
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Every call is auditable
Full transcript and interaction log for every call. If a dispute ever arises, the documentation is already there.
State Coverage

Licensed in California.
Collecting Nationwide.

AR Collector is licensed and bonded to conduct business-to-business debt collections across all 50 states. Your customers can be anywhere — we can call them.

Licensed & Bonded Active
✓
California — CA DCLA License #11445-99
Licensed · Bonded · Active
All business types
AR Collector’s California debt collection license authorizes us to conduct outbound collection activity on behalf of creditors — regardless of where your customers are located. Your business can be anywhere. Your customers can be in any of the 50 states. We cover all of it.
All 50 States — B2B Collections Covered

In business-to-business debt collection, it is the license of the collection entity — not the debtor’s location — that governs the outreach. AR Collector holds that license.

That means your customers in Texas, New York, Florida, Illinois, or any other state can all be contacted legally and compliantly under our CA DCLA License #11445-99 — without any additional licensing required on your part.

Your invoices don’t stop at state lines — and neither do we. AR Collector collects on your behalf wherever your customers are located, nationwide, under a single license you never have to think about.
Scripts & Calls

What the AI Says.
Why It's Legal.

Every word spoken by AR Collector's Voice AI has been reviewed for compliance. Here's exactly what your customers hear — and why it protects you.

SAMPLE CALL SCRIPT — PRE-APPROVED
CA DCLA #11445-99
"Hello, this is a message for [Customer Name] regarding an outstanding invoice from [Your Business]. The balance of $[Amount] was due on [Date]. To resolve this today, please call [Number] or visit the secure link we've sent to your email. If you'd like to be removed from future automated calls, press 9 or say 'remove me' at any time."
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Creditor name disclosed — FDCPA §807 compliant
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Amount owed and due date stated — required disclosure
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Opt-out mechanism included — TCPA required
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No threatening or harassing language — CalFDCPA §1788.11
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All calls logged and auditable for your records
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Pre-Approved Scripts Only
Every script AR Collector uses has been reviewed for TCPA, CalFDCPA, and FDCPA requirements before a single call goes out. No improvisation. No gray areas.
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Professional, Human-Sounding Voice
Our Voice AI sounds like a professional billing representative — not a robocall. Most customers never know it's AI. Courteous, kind, and helpful on every call.
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Instant Opt-Out Compliance
Any opt-out request — verbal on a call or written via SMS or email — is logged immediately and that customer is removed from all future outreach. Automatically. Permanently.
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Full Call Transcript in Your Dashboard
Every interaction is transcribed and stored in your AR Collector dashboard. You have a complete audit trail for every call made on your behalf — searchable by customer, date, or invoice.
Data Protection

What We Access.
What We Never Touch.

AR Collector only accesses what it needs to collect your invoices — nothing more. Here's the complete picture.

Data Type AR Collector Access
Customer name✓ Read only — needed to contact the right person
Invoice amount & due date✓ Read only — stated on every call and message
Customer contact info✓ Read only — used to place calls and send messages
Payment status✓ Write — posts payment back to QuickBooks when cleared
Bank account numbers✗ Never accessed
Payroll or tax data✗ Never accessed
Other QB modules✗ Never accessed
Customer credit data✗ Never accessed
Data Used Only for Collection
Customer PII accessed from QuickBooks is used solely to facilitate collections on your behalf. We do not use it for any other purpose, sell it, or retain it beyond the active collection relationship.
Encrypted in Transit and at Rest
All data transmitted between AR Collector and QuickBooks uses TLS 1.3 encryption. Data stored on our platform is encrypted at rest using AES-256 — the same standard used by major financial institutions.
CCPA Deletion Rights Honored
Under CCPA, California consumers can request deletion of their personal data. AR Collector honors these requests within the regulatory timeline. Contact compliance@arcollectorai.com for data requests.
GLBA Financial Privacy Compliant
AR Collector is fully compliant with the Gramm-Leach-Bliley Act. We maintain appropriate safeguards for all nonpublic personal financial information and never share it with third parties for marketing.
The Compliance Firewall

We Act as a Regulatory Firewall
Between You and the Consumer.

Most AI solutions are generic tech vendors. AR Collector is a licensed collection entity. We assume the full technical compliance burden of your outreach — so your business never has to navigate TCPA exposure, CalFDCPA requirements, or federal disclosure rules on your own. Every call we make on your behalf has been reviewed, approved, and is operated under our license. Your risk is zero.

Compliance FAQ

Your Compliance Questions.
Answered Directly.

The questions every business owner asks before trusting an AI to call their customers.

Yes. AR Collector operates under CA DCLA License #11445-99, which authorizes outbound debt collection activity. All calls comply with TCPA, CalFDCPA, GLBA, and CCPA. Our compliance team reviews every script before deployment.
No. AR Collector holds the license. When our AI calls your customers, it operates under our regulatory framework — not yours. You benefit from licensed compliance without the cost or complexity of obtaining your own license.
AR Collector is currently licensed in California (CA DCLA #11445-99). We are actively pursuing additional state licenses as we scale. As a California-licensed entity, we can conduct outreach to customers in other states on behalf of California-based creditors — but we recommend consulting your attorney for your specific situation.
All scripts are pre-approved by our compliance team and reviewed for TCPA, CalFDCPA, and FDCPA requirements. Scripts include required disclosures: caller ID, the amount owed, your business name, and opt-out instructions. You can see a sample script on this page. Core compliance language is fixed — but tone and your business name are configured during setup.
Any opt-out request — verbal during a call, or written via SMS or email — is logged immediately and that customer is removed from all future outreach. Compliant opt-out handling is a legal requirement and AR Collector handles it automatically. No customer is ever contacted again after opting out.
AR Collector operates as a third-party servicer under your creditor relationship. Our compliance framework is designed to meet FDCPA requirements. For your specific legal situation, we recommend consulting your attorney — AR Collector is not a law firm and this is not legal advice.
AR Collector stores call logs and communication records for audit and compliance purposes only. We do not sell customer data. Customer PII is used solely to facilitate collections on your behalf and sync payment status to QuickBooks. All data is encrypted in transit (TLS 1.3) and at rest (AES-256).
AR Collector accesses your invoice data (customer name, invoice amount, due date, contact information) and payment status only. It does not access your bank account, payroll, tax data, or any other QuickBooks modules — only what is needed to collect your invoices.
Yes. Contact our team at info@arcollector.ai and we'll provide our compliance framework summary. For enterprise customers requiring a full compliance review, we offer a dedicated call with our compliance documentation package.
AR Collector assumes the compliance liability for every call made under our license. Our scripts are pre-approved, our opt-out mechanisms are automated, and every call is logged. If a compliance issue ever arose from a call we made on your behalf, we stand behind our license and our process — not you.

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14-day free trial. No credit card. Every call made under CA DCLA License #11445-99.

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