Banking

FDCPA-safe collections
for banks and lenders

Cease-comm tracking, soft-to-hard dunning escalation, and charge-off prevention — M360's banking template keeps you compliant while maximizing recovery.

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Banking Queue — Hard Dunning · Pre charge-off

Martinez, R.Pre charge-off

120 DPD · $8,400 · Personal loan

Dubois, A.Cease-comm

90 DPD · $3,200 · Credit card — No contact

Chen, L.

60 DPD · $1,800 · Auto loan · Moderate dunning

MOD

82%

Contact rate

28%

PTP rate

3.2%

Charge-off rate

The banking challenge

FDCPA compliance — wrong contact timing or frequency triggers legal exposure
Cease-comm requests must stop all outreach immediately — agents often miss these
Hard dunning escalation needs careful sequencing — too aggressive increases disputes
Charge-off prevention window is 90–120 DPD — teams miss it without automated flags

How M360 solves it

FDCPA-safe contact rules built into cadences — time-of-day and frequency enforced automatically
Cease-comm flag blocks all outreach channels instantly — logged in audit trail
3-tier dunning — soft (30 DPD) → moderate (60) → hard (90) — with auto-escalation
Pre-charge-off queue activates at day 100 — dedicated escalation to senior agents

Banking KPI targets

80%+

Contact rate

30–90 DPD

25%+

PTP rate

Connected calls

<5%

Charge-off rate

With M360 cadences

FDCPA violations

Rules enforced in platform

Banking Template — What's included

Template Library →

4 Queue sets

30 DPD — Soft dunning
60 DPD — Moderate dunning
90 DPD — Hard dunning
100+ DPD — Pre-charge-off

6 Cadences

Soft dunning (2-step)
Moderate dunning (3-step)
Hard dunning (4-step)
Pre-charge-off escalation
Payment plan offer
Dispute resolution

Key dispositions

PTP — Full / Partial
Paid — Account cleared
Cease-comm — All channels blocked
Dispute — Supervisor review
Payment plan agreed

See the Banking template live

We'll walk through FDCPA compliance features, cease-comm tracking, and the charge-off prevention queue — with your team's scale in mind.