InDebted has launched Comply, a standalone API for collections compliance based on technology it already uses across seven markets.
The product checks outbound collections communications in real time before they are sent, monitors communications at scale, and flags signs of customer vulnerability. InDebted is offering the system to lenders, fintechs, and other creditors as a separate product rather than limiting it to its own collections business.
The launch comes as financial institutions face closer scrutiny over how they use artificial intelligence in customer communications, especially in regulated areas such as debt collection. Industry data cited by InDebted suggests many firms are increasing AI use in compliance functions, but only a minority are confident that those systems meet regulatory requirements.
Research from Wolters Kluwer found that 26.4% of financial institutions were confident their AI complied with regulations, while fewer than 13% said their AI strategy was well defined and resourced. In Australia, ASIC reviewed 624 AI use cases across 23 licensed financial services firms and found that more than half had no policies covering consumer fairness or bias.
Three functions
Comply has three core functions. The first, Firewall, evaluates outbound messages before dispatch against regulatory requirements. The second, Audit, monitors and analyses communications at scale, producing explanations and audit trails. The third, Safeguard, identifies and escalates signals of customer vulnerability with regulatory context.
The product addresses a broader challenge for lenders and collections providers as customer contact expands across more channels and jurisdictions. AI-generated messages have increased the volume and variability of interactions, making older approaches based on manual review, sampling, and post-send checks harder to sustain.
The technology behind Comply is already in use in the United States, Australia, the United Kingdom, New Zealand, Canada, Mexico, and the UAE. According to InDebted, the infrastructure processes millions of customer interactions each month across both first-party and third-party collections settings.
The launch also marks a strategic shift for the business. Rather than reserving its internal collections infrastructure for its own operations, InDebted is beginning to package parts of that technology for external customers.
That could open a new software revenue stream alongside its established collections services. It also places InDebted more directly in a market where lenders and fintechs are seeking tools to govern automated communications without relying on slower compliance checks after messages have already been delivered.
Josh Foreman, Founder and Chief Executive Officer of InDebted, said the pace of customer communications had changed the nature of compliance work in collections.
"Compliance that runs on sampling and after-the-fact checks was built for a world where communications moved slowly. That world is gone. Comply brings the same infrastructure we run across seven markets to any business that needs compliance to operate at the speed of AI," Foreman said.
The product is designed to integrate with a company's existing systems and workflows through an API. That allows clients to assess messages generated within their current collections or servicing platforms rather than replace those systems outright.
For financial services firms, this addresses a growing operational challenge. As AI tools are used to draft, personalise, and send customer communications across SMS, email, chat, and other channels, firms need controls that can apply jurisdiction-specific rules in real time and keep records for later review.
Pierre Bergamin, Chief Technology Officer at InDebted, said those controls need to match the speed of the underlying systems.
"When AI systems are generating communications at scale, compliance needs to operate at the same speed. That means structured rules, real-time evaluation and decisions that are explainable - not black-box outputs or manual review processes," Bergamin said.