Compliance and licensing
Compliance is the platform, not a footnote.
Every account is handled under a structured, audited process built around FDCPA, Regulation F, and state-by-state licensing, so recovery never comes at the cost of resident relationships or portfolio reputation.
Unrecovered balances create real portfolio risk.
Internal property teams are focused on leasing and operations, not collections, and a generic agency without property-specific workflows can create more risk than it resolves.
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The burden
Unpaid rent, fees, and move-out balances reduce portfolio income and burden internal property teams.
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The gap
Internal teams are focused on operations, while generic agencies lack property-specific workflows.
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The risk
Poor recovery handling creates compliance, brand, and resident experience risks for operators.
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The need
Property operators require a specialist partner to recover balances professionally and at scale.
Account handling
Unwavering commitment to compliance and ethics.
Structured recovery, audited account-by-account, from first contact through final resolution.
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Data verification
Validate account accuracy and resident information.
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Compliant outreach
Initiate respectful, professional communication via approved channels.
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Negotiation and resolution
Establish firm repayment paths or settlement resolutions.
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Quality control
Continuous monitoring of account status and communication quality.
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Performance review
Detailed reporting and portfolio optimization insights.
- Fully compliant with the Fair Debt Collection Practices Act (FDCPA)
- Adherence to Regulation F (Reg F) for consumer protection
- National Mortgage Licensing System (NMLS) licensed
- Extensive state-by-state licensing for comprehensive coverage
- Dedicated to ethical practices and brand protection
Licensing roadmap
National licensing, on a published timeline.
A licensed U.S. platform today, with a clear strategic roadmap toward full nationwide coverage.
- Licensed today — WA, AZ, OR
- In progress, 2026 — TX, NV, FL, UT, GA, ID
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Licensed today
Washington, Arizona, and Oregon
Licensed and operational, serving portfolios across all three states today.
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Active expansion
Texas, Nevada, Florida, Utah, Georgia, and Idaho
Licensing underway now as part of the active 2026 expansion phase.
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2027 strategy
Full nationwide coverage
A strategic roadmap to achieve full nationwide coverage by the end of 2027.
Frequently asked
Compliance and licensing questions, answered.
The details operators and legal teams usually want confirmed before placing a portfolio.
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Is Elite Recovery Group FDCPA and Regulation F compliant?
Yes. ERG is fully compliant with the Fair Debt Collection Practices Act (FDCPA) and adheres to Regulation F (Reg F) for consumer protection across all account handling.
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What states is ERG currently licensed in?
Licensed and operational in Washington, Arizona, and Oregon today.
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What states are next on the licensing roadmap?
Texas, Nevada, Florida, Utah, Georgia, and Idaho licensing is underway as part of the active 2026 expansion, with a strategic roadmap to full nationwide coverage by the end of 2027.
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Is ERG NMLS licensed?
Yes, ERG holds National Mortgage Licensing System (NMLS) licensing as part of its state-by-state compliance coverage.
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What does ERG's account handling process look like?
A five-step methodology: data verification, compliant outreach through approved channels, negotiation and resolution, continuous quality control, and detailed performance review and reporting.
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How does ERG make sure recovery outreach does not damage resident relationships?
Outreach is respectful and professional, delivered through approved and compliant channels, with continuous quality control and a dedicated commitment to ethical practices and brand protection.
Recover more of what your portfolio is owed.
Start with a focused recovery review for account volume, portfolio type, licensing requirements, reporting needs, and launch timeline.