AInora

New York Debt Collection Compliance

NYC + NY State layer three sets of rules on top of FDCPA.

AI voice agents that automate the routine 80 percent of New York collection calls while reducing compliance risk under GBL Article 29-H, NYDFS 23 NYCRR Part 1, NYC DCWP rules, and federal FDCPA / TCPA / Reg F.

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The compliance stack

3yr

CPLR § 214-i statute of limitations on consumer credit transactions. Once lapsed, debt is time-barred for litigation.

3

overlapping regulators on a single NYC collection call: federal CFPB / FTC, NY state (DFS, OAG), and NYC DCWP.

$1K

treble-damages cap under GBL § 349, plus actual damages and attorney fees on deceptive-practice claims.

Sources: NY GBL 29-H & § 349, NYDFS 23 NYCRR Part 1, NYC 6 RCNY § 5-77, CPLR § 214-i

What the law says

Six rules that shape every New York collection call.

NY GBL Article 29-H

New York General Business Law Article 29-H (§§ 600-603) is the state-level FDCPA twin, with the NY Attorney General authorized to enforce. Violations can trigger civil penalties beyond federal exposure.

NYDFS licensing (23 NYCRR Part 1)

The NY Department of Financial Services regulates debt collectors under 23 NYCRR Part 1. Licensing, conduct rules, disclosure obligations, and enhanced itemized-debt requirements apply.

NYC Consumer Protection Law & DCWP

For calls into New York City, the NYC Department of Consumer and Worker Protection adds a separate debt-collector license and rule set (6 RCNY § 5-77 et seq.), including language-access obligations.

Time-barred debt restrictions

NY materially limits action on time-barred debt: CPLR § 214-i imposes a 3-year statute of limitations for consumer credit actions, and revival by partial payment has been curtailed. AI blocks collection-asserting statements on out-of-statute debt.

Itemized debt disclosure

NYDFS and NYC DCWP require an itemized accounting of the debt (principal, interest, fees, payments) in the first communication. AI delivers the itemization from your system of record, recorded and logged.

GBL § 349 deceptive practices

New York General Business Law § 349 gives consumers a private right of action for deceptive acts in trade or commerce, with statutory damages, treble damages up to $1,000, and attorney fees. Frequently paired with GBL 29-H claims.

Live demo

Hear our AI in action

Emily handles a live collection call for Crown Recovery. Same voice tech, configured for New York compliance.

EN
Emily
Crown Recovery Services
+1 (332) 241-0221
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Federal vs New York

Two layers, three regulators.

Federal FDCPA, TCPA, and Reg F set the floor. New York state (GBL 29-H, NYDFS 23 NYCRR Part 1) and NYC (DCWP) each add their own rules on top, with licensing and itemization duties that go beyond federal baseline.

Federal baseline

  • FDCPA: applies to third-party debt collectors. Validation, harassment, false-statement rules.
  • TCPA: prior express consent for autodialed or prerecorded calls to wireless numbers.
  • Reg F (CFPB): 7 contact attempts per 7 days per debt; 7-day cooldown after a consumer conversation.
  • Calling hours: 8 a.m. to 9 p.m. consumer local time.

New York add-ons

  • GBL Article 29-H: state-level FDCPA twin; enforced by NY AG.
  • NYDFS 23 NYCRR Part 1: licensing, itemized disclosure, conduct rules.
  • NYC DCWP license: additional license for calls to NYC consumers, language-access rules.
  • CPLR § 214-i & GBL § 349: 3-year SOL on consumer credit; private right of action for deceptive practices.

Built-in vs configurable

What AI handles automatically. What we tune per client.

AI reduces risk on the repeatable rules. Your specialized policies, disclosures, and workflow live in the configurable layer and are signed off by your counsel.

Built-in

Platform-level

Configurable

Per client, with your counsel

Time-of-day restrictions based on consumer local time zone
Your GBL 29-H and NYDFS disclosure wording
Reg F 7-in-7 contact-frequency caps per debt
Itemized-debt payload mapping from your system of record
Full call recording, transcripts, and tamper-evident audit log
NYDFS and NYC DCWP reporting exports and licensed-entity tagging
DNC / cease-and-desist / litigious-consumer suppression lists
NYC language-access workflow and interpreter-handoff triggers
Voicemail scripts with Foti-compliant minimal disclosure
AI-identification policy (proactive, on request, or none) per your counsel
Blocks assertions of legal right to sue on time-barred debt
Counsel-approved time-barred disclosure language by debt class

AI reduces compliance risk by automating the repeatable rules. Specialized legal review by New York counsel is still required for your specific workflow.

How AI stays compliant

The pre-call, in-call, post-call flow.

Every call runs through the same sequence. If any check fails, the call does not happen or the AI hands off.

Verify consent, NYDFS license, NYC DCWP license
Check consumer local time zone and language preference
Check DNC, cease-and-desist, litigious-consumer lists
Check CPLR § 214-i statute-of-limitations flag
Place call with itemized-debt disclosure per NYDFS
Record full call, stream transcript to audit log
Flag any GBL § 349 risk phrase for human review
Archive with retention policy, NYDFS + DCWP reporting metadata

Integrations

Connects to the collection stack you already run.

AI writes call outcomes, promises-to-pay, and dispute flags straight into your core system. No double entry, no CSV imports.

Salesforce·
HubSpot·
Experian·
Equifax·
TransUnion·
LexisNexis·
Stripe·
QuickBooks·
Telnyx·
RingCentral·
Twilio·
Zapier·
Make·
n8n·
Custom API·
Salesforce·
HubSpot·
Experian·
Equifax·
TransUnion·
LexisNexis·
Stripe·
QuickBooks·
Telnyx·
RingCentral·
Twilio·
Zapier·
Make·
n8n·
Custom API·

Plus 7,000+ apps via Zapier, Make, and n8n. If your collection system has an API, we connect it.

FAQ

New York compliance, answered.

Under 23 NYCRR Part 1, many third-party debt collectors and debt buyers operating in New York must be licensed by the NY Department of Financial Services. The licensing perimeter has expanded over recent rulemakings, so confirm your specific exemption status with NY counsel before launch.
If you are calling consumers located in NYC, yes. The NYC DCWP debt-collector license and the rules at 6 RCNY § 5-77 apply to collectors soliciting payment from NYC residents regardless of where the collector is based. Language-access rules and itemization duties stack on top of state and federal requirements.
You can communicate about time-barred consumer credit debt only within strict disclosure rules under NY law and under NYDFS and CFPB interpretations. AI is configured not to assert the collector's legal right to sue on out-of-statute debt, and to deliver any required time-barred disclosure verbatim. Your counsel confirms the exact language and the threshold date for each debt class.
NYDFS and NYC DCWP rules require an itemized statement: the source of the debt, the charge-off balance, itemized interest and fees added since charge-off, and payments applied. AI pulls the itemization from your system of record and reads it at the point in the conversation your counsel specifies, then offers a written copy by mail or email.
State rules (GBL 29-H, 23 NYCRR Part 1) set one compliance layer. NYC adds a separate license and additional rules such as language-access in the consumer's preferred language where feasible. For NYC calls, AI detects language preference, applies NYC-specific scripts, and flags accounts for interpreter handoff when required.
CPLR § 214-i sets a three-year statute of limitations on consumer credit transactions. Once the period lapses, the debt is time-barred for litigation purposes, and NY has restricted the ability to revive the limitation period through partial payment. Treat this as a hard policy boundary inside AI, not a judgment call.
New York does not currently mandate a generic "you are speaking to an AI" disclosure for debt calls, though proposals and disclosure norms are moving. Default configuration discloses AI on request and on voicemail; proactive disclosure can be enabled per your compliance counsel's instruction for NY or NYC calls.

Ready to de-risk your New York collection calls?

Let AI handle the repeatable 80 percent with the guardrails already in place. Your team and your counsel stay in control of the 20 percent that matters.

Book a compliance review

This page is general information, not legal advice. Consult a licensed attorney in New York before deploying any debt collection AI.