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.[1]


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.[1]

FISMA Compliant – ConServe is compliant with the Federal Information Security Management Act (FISMA).  ConServe's comprehensive Information Security Program is structured to align with the information security standards and guidelines of the National Institute of Standards and Technology (NIST) Special Publication 800-53: "Security and Privacy Controls for Federal Information Systems and Organizations".

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 Certification
BBB Accreditation

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


[1] IBISWorld.com: "Debt Collection Agencies in the US: Market Research Report"

Consumer Compliments

September 16

I wanted to humbly thank ConServe's representative for his courteous and efficient service over the phone.  Their representative was helpful, patient, respectful, and even humorous.  He made a stressful situation, very pleasant and understanding.  A very satisfied customer.

October 27

I have worked in customer service for years and I have never worked with a business that could even compare to the attention that ConServe and their representative Taylor showed to me.  ConServe made it very simple to solve my debts.

October 18

Timothy was very helpful with every step of the process and made all the information very clear to me.  He offered his full support for the entire loan rehabilitation process.  I'm happy to know that people like Timothy at ConServe are helping people with defaulted loans get back on top of things!

October 21

I was unaware my loan was in default and I was extremely nervous and upset when I called ConServe.  Your collector was able to calm me down and provided me with options to get my loan back in good standing.  She was patient and walked me through the loan consolidation process and I was finally able to submit the application thanks to her help.

October 20

Amber was the most competent and easy to talk to Debt Collector.  Her kindness and positive attitude was a delight and her real strength was her thorough understanding of the content we reviewed.

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