Doing the right thing, at the right time, the right way.

We comply with all industry laws and regulations and our ACA-Professional Practices Management System (PPMS) Certification ensures that we are more compliant than 99% of other collection agencies.


Compliance Management System (CMS)

ConServe's Compliance Management System (CMS) addresses consumer compliance issues and associated risks of harm to consumers in overseeing the investigation and resolution of consumer complaints and inquiries, often in conjunction with the Company's General Counsel Department.  In addition, the Compliance Management System (CMS) conducts monthly, internal quality audits of ConServe's entire Professional Practices Management System (PPMS).

Certifications

ppmsAn ACA-PPMS Certified Agency - Less than 1% of all collection agencies have achieved and maintained the ACA International Professional Practices Management System (PPMS) Certification.

FISMA Compliant – ConServe maintains Federal Information Security Management Act (FISMA), which complies with the National Institute of Standards and Technology (NIST) 800-53 standards and guidelines.

PCI-DSS V3.0 - ConServe has a comprehensive System and Data security program that complies with PCI-DSS V3.0 standards.

SSAE 16/SOC 1 Type II Engagement - Established by the Auditing Standards Board of the American Institute of Certified Public Accountants (AICPA), SSAE 16 effectively replaces SAS 70 as the authoritative guidance for reporting on service organizations.


Regulatory Compliance

ConServe adheres to the wide range of regulations that govern our activities as a collection agency.  ConServe complies with all provisions of the Federal (and state, where applicable) Fair Debt Collection Practices Act, Federal (and state, where applicable) Fair Credit Reporting Act, the Personal Privacy Act of 1974, the Gramm Leach Bliley Privacy Act, and all other applicable statutes, regulations, policies and procedures.

Regulatory Changes & Ensuring Compliance

ConServe is poised to react quickly to regulatory changes, updates and developments in the industry due to a support system comprised of full-time General Counsel, a dedicated Compliance Department, compliance technology, strict monitoring technology and participation in professional associations.  Due to this extensive network, ConServe is proud to have never been in violation of industry regulations.


CFPB Compliance

ConServe's Consumer Financial Protection Bureau (CFPB) compliance is enabled through an adaptation to its Compliance Management System (CMS).  Taking into account business strategy and operations, it focuses on the following areas:  Entity Business Model Internal Structure, Controls and Compliance Management, Controlled Compliance in its Communications under the Fair Debt Collection Practices Act (FDCPA) and Unfair, Deceptive or Abusive Acts or Practices (UDAAP) regulatory policy created under the Dodd-Frank Act, Policies and Procedures on Information Sharing, Privacy and Interactions with Consumer Reporting Agencies, Policies and Procedures to address Consumer Complaints, Dispute Resolution and Debt Validation, Payment Processing and Account Maintenance, Compliance with the Equal Credit Opportunity Act, Control of Litigation Practices and Time-Barred Debt.

ppms SSAE 16 Type 2 Engagement FISMA Fisma BBB

Related Links:

PPMS Certificate
BBB Accreditation

SSAE 16/SOC I Type II
FISMA 3rd Party Validation


Consumer Compliments

June 13

I had a very positive experience with ConServe. Gary and Justin were outstanding during this very emotional and stressful process and were kind from beginning to resolution. Kindness goes a very long way, especially when collecting a debt and they were incredible.

June 9

Amber was very nice and helpful through this process, I was able to speak to her without any issues, and her personality is one for the books! The process of doing all of this is a little hectic because of time constraints, but if all of your workers at ConServe are like Amber, then it shouldn't be too bad.

June 8

Charles is the most outstanding and patient person I have ever encountered from a debt collection agency. He has been accommodating of many of my mental illnesses and disabilities, and I'm forever grateful that he worked with me to resolve my debt.

June 6

My representative Cathryn was super awesome... We went over my options and she suggested the best one for me without any scare of pressure tactics.

June 1

I recently spoke with Candace who assisted me greatly in completing my loan consolidation process. She was professional, polite, informative and very patient with me...  I look forward to the finalization of this process and congratulate ConServe on a job well done for having Candace as a part of the team!

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What ConServe Clients Say

We have been extremely satisfied with the collection results and the professionalism with which they operate.

Trisha Jacobson, University of Houston-Downtown

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