The 08:00 to 19:00 Rule: Building Calling-Hours Compliance Into Recovery Workflows
TL;DR Most Compliance Teams Read the Calling-Hours Rule Backward Ask a collections operations lead what the 8am to 7pm rule means, and most will describe it as a permitted calling window: agents can dial between those hours, full stop. That reading misses where the rule actually sits. Paragraph 100 of the RBI (NBFC – Responsible […]
The OEM Certification Requirement Nobody’s Talking About in RBI’s Device-Locking Rules
TL;DR The Rule Text Says OEM Certification Is Required. It Doesn’t Say by Whom. Per secondary reporting on RBI’s device-locking guidelines, including coverage by Inc42, regulated entities (REs) and third-party device-locking vendors are required to obtain certification from the device or operating system platform’s OEM before deploying device-locking technology in gadget financing. That is the […]
Device-Locking Compliance Software for NBFCs: What RBI’s January 2027 Deadline Actually Requires
TL;DR The Question Most Compliance Teams Are Answering Wrong Ask a collections or compliance lead at a mid-sized NBFC whether RBI’s new device-locking rules apply to them, and the answer usually comes fast: “We don’t do aggressive collections. This is for the app-based lenders with the bad press.” That’s the wrong question. RBI’s rule, effective […]
Microfinance Collections Run on a Different Rulebook. Does Your Compliance Software Know That?
TL;DR If you’ve read the earlier posts in this series, your recovery-agent compliance stack probably already handles the basics: contact-hour windows, call recording, mandatory disclosure scripts, agent conduct logging. For a general NBFC book, that’s a reasonably solid foundation. But if any part of that book is microfinance lending, here’s the question worth asking your […]
Recovery Agency Due Diligence: What RBI Now Ties to Your Outsourcing Risk Policy
TL;DR An Auditor Just Flagged Your Recovery Agent Vetting as Undocumented Nobody is telling you the vetting was bad. That’s the part worth sitting with. In a growing number of NBFC examinations, the finding isn’t that a recovery agent was under-vetted, that background checks were skipped, or that a red flag went unnoticed. The finding […]
The 7-Day Rule: Why Your Recovery Agency List Can’t Sit Static on Your Website
TL;DR Your Recovery Agency Disclosure Obligation Started in 2025, Not 2027 If your compliance calendar has flagged January 2027 as the date this obligation begins, that’s incomplete. The obligation to publish a recovery agency list already exists. The RBI (NBFC – Responsible Business Conduct) Directions, 2025, at what secondary sources cite as para 97, already […]
RBI Fair Practices Code Collections Software Baseline: What NBFC Collections Teams Still Owe Borrowers Under the 2025 Responsible Business Conduct Directions
TL;DR Most collections compliance guides are citing an instrument that no longer stands alone Anyone evaluating RBI Fair Practices Code collections software right now is really asking two questions at once: what does the Fair Practices Code actually require, and does the tool in front of me meet it. The honest answer starts with a […]
Recovery Call Recording Compliance for NBFCs: What RBI’s 2027 Rule Requires
TL;DR Recovery Call Recording Compliance Is a New Documentary Requirement, Not a Conduct Update Anyone searching for what recovery call recording compliance actually requires is usually trying to answer two questions: what the rule mandates, and whether their collections software already meets it. Here’s the direct answer: RBI’s rule requires that recovery calls be recorded, […]
RBI Draft Uniform Recovery Norms 2026: What the Biggest Regulatory Change Since 2008 Means for Collections
Every Bank and NBFC Is About to Operate Under the Same Recovery Conduct Standard for the First Time TL;DR Most regulatory circulars tighten an existing rule. This one does something rarer: it puts every bank, NBFC, and other regulated entity onto the same recovery conduct standard for the first time, rather than each operating under […]
FCRA and AI Collections: Bureau Data Obligations That Go Beyond Origination
Clean FCRA Documentation on Underwriting Doesn’t Cover What Collections Is Doing With the Same Bureau Data TL;DR A bank can have a clean, well-documented FCRA compliance program for its underwriting models, permissible purpose logic, dispute workflows, furnishing controls, all built and reviewed. Ask the same institution to produce equivalent documentation for how its collections AI […]
