Floor OS is a pre-execution compliance gating system for debt collection agencies and call centers. Every contact attempt (call, SMS, letter, payment settlement) passes a 12-gate regulatory pipeline before it can execute. TCPA consent, DNC registry, time-of-day, cease-and-desist, account validity, and regulatory holds are enforced deterministically. Every gate decision is hash-chained and auditable.
Debt collection and accounts receivable teams manually check regulatory requirements before contact: TCPA consent, DNC lists, time-of-day restrictions, cease-and-desist orders, account holds, bankruptcy stays. One oversight = FTC violation = civil penalty. Floor OS automates the gate and makes every decision auditable.
TCPA consent verification, DNC registry check, time-of-day gating, cease-and-desist honor, account validity, regulatory holds, bankruptcy detection, contact frequency limits, priority queue, cost-benefit analysis, final audit gate, and receipt emission. Every gate is deterministic and logged.
Floor OS gates every contact BEFORE it's attempted. No dial, no SMS, no letter leaves the system until all 12 gates pass. Violations are prevented, not discovered after the fact.
Every gate decision is HMAC-signed and chained. You can prove to regulators exactly what gates fired, why each contact was allowed or denied, and that the audit trail hasn't been modified. Defensibility under FDCPA, TCPA, FCRA.
Each collection agency gets its own namespace, compliance ruleset, and audit trail. No cross-tenant visibility. Scaling from 1 agent to 1,000 agents without breaking isolation or audit integrity.
When an agent (human or automated) attempts a contact, Floor OS receives the request, runs the contact through all 12 gates, and either approves or denies. Every decision is logged with a tamper-evident receipt.
| Gate # | Name | Check | Blocks Contact If |
|---|---|---|---|
| 1 | TCPA Consent | Prior written consent on file | No consent or expired |
| 2 | DNC Registry | National Do-Not-Call list | Number registered |
| 3 | Time-of-Day | Between 8am–9pm recipient time | Outside window |
| 4 | Cease-and-Desist | No cease-and-desist order filed | C&D on record |
| 5 | Account Validity | Account exists and is in collection | Account closed or resolved |
| 6 | Bankruptcy Hold | No bankruptcy filed by debtor | Bankruptcy stay active |
| 7 | Regulatory Hold | No state/regulatory hold | Hold in effect |
| 8 | Contact Frequency | Respects weekly/daily contact limits | Limit exceeded |
| 9 | Priority Queue | Within priority score threshold | Priority too low |
| 10 | Cost-Benefit | Expected recovery exceeds cost | Cost exceeds value |
| 11 | Final Audit | All prior gates passed | Inconsistency detected |
| 12 | Receipt Emission | HMAC-sign the decision | Signature failed |
Pilot-Ready: Controlled paid pilot available (CSV/List mode, 1 tenant, 500–2,000 accounts). Live at flooros.wernerharmoniclabs.com.
Pending: Third-party penetration test (P1-1) and ToS/DPA execution (P1-2). Once cleared, unrestricted multi-tenant deployment.
REST API, webhook notifications, or CSV batch mode. Integrates with existing dialer, RMS, or collections platform via Floor OS's unified compliance gate.
Audit-ready compliance for FDCPA, TCPA, FCRA, state do-not-call, and bankruptcy code. Hash-chained receipts defensible under regulatory review.
Reduce compliance risk, eliminate manual gate-checking, and get every contact decision audited and defensible. Pilot starts in days.