Resources

Research worth keeping.

Benchmarks, compliance guides, and operational playbooks for the debt-collections industry. Each report is free — we only ask for your email so we can send you a copy and notify you when we publish new research.

Industry Research16 pp

The Data Foundation That Doesn't Exist

Every core collection platform in the U.S. market was designed to record transactions — not to learn from them. This paper maps the structural ceiling that creates, and the architectural fix.

→The ARM industry manages $1T+ in placed debt on data that's wrong in ways no one measures
→Why CollectMax, Latitude, Artiva, and every peer system can't surface management insight or detect trends
→The three data layers ARM operations run on — and why operational data is treated as exhaust
→The architectural argument: why the fix is a substrate layer, not another workflow application

Agency CEOs · Debt buyers · Operations leadersDownload free →

Strategy17 pp

The Substrate Imperative

The ARM industry has spent thirty years buying systems that record what happened and zero years building systems that learn from it. This paper makes the case for why that changes now.

→Why screen-level automation has a structural ceiling — and what it is
→The difference between a workflow tool and a data substrate
→How a substrate layer compounds in value over time in ways point solutions cannot
→What the transition looks like for an operation already running on a legacy SOR

Agency CEOs · CTOs · VP OperationsDownload free →

Strategy8 pp

Automating the Screen vs. Building the Substrate

Two approaches to modernizing a collection operation. One adds automation on top of existing systems. The other changes what the systems know. This paper explains why the distinction matters.

→Screen automation vs. substrate: what each approach actually changes in your operation
→The compounding return difference over a 3-year horizon
→Where screen automation is the right call — and where it locks you into a ceiling
→A decision framework for operations evaluating both approaches

Agency CEOs · CTOs · IT Directors · Operations leadersDownload free →

Benchmark18 pp

RPC Benchmark 2026: What Good Looks Like, by Portfolio Class

Right-party contact rates vary by 22 percentage points across portfolio types — and most agencies are benchmarking against the wrong peer group.

→22-point spread in RPC rates across portfolio classes
→The four variables that predict your benchmark peer group
→Where the top quartile agencies diverge from the median
→A self-scoring template you can run in an afternoon

Collection agencies · Operations leadersDownload free →

Compliance22 pp

Reg F Enforcement: Five Errors Auditors Keep Finding

CFPB examiners have identified a consistent set of Regulation F violations across examinations. Here is what they are, and how to close them before your next audit.

→The five violation patterns found in >70% of enforcement actions
→How automated communication logs are being used as evidence
→Checklist: 12 documentation controls that satisfy examiners
→What to do if you find a gap during self-review

Compliance officers · Managing partners · Agency CEOsDownload free →

Litigation26 pp

Tyler Odyssey eFile Rejects: A Taxonomy and Automation Playbook

A breakdown of the most common reject reasons across 14 state filing systems, and the automation rules that eliminate each one.

→Reject taxonomy across 14 Tyler Odyssey state instances
→The 8 reject types responsible for 80% of all failures
→Automation rule templates that achieve <2% reject rates
→ROI model: the cost per reject at different case volumes

Collection law firms · Legal operations teamsDownload free →

Strategy14 pp

Net Back Math: The Lever Most Agency CEOs Leave on the Table

Net back — what you actually keep after SOR costs, labor, compliance overhead, and bad debt — is the only number that matters. Most agencies aren't tracking it right.

→The correct net back formula (and where most calculations go wrong)
→The six cost categories most agency P&Ls undercount
→Benchmarks: net back by portfolio type and agency size
→A working model template — plug in your numbers in 15 minutes

Agency CEOs · Owners · CFOsDownload free →

Also from Aurore

Shorter reads in the Insights hub.

The Insights section covers the same topics in article format — RPC benchmarks, Reg F analysis, eFiling taxonomy, and net back math. No download required.

Browse Insights →

RPC benchmark 2026: what good looks like, by portfolio class.

Reg F enforcement: five errors auditors keep finding.

Tyler Odyssey eFile rejects: a taxonomy.

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