Real-World Example
ABC Collections wants to send a reminder to consumers with payments due next week. They create a group called “Payments Due Next Week”. The group should include only matching consumers from ABC Collections.
When ABC Collections schedules a campaign, they can choose that group instead of manually selecting each consumer.
Managing Groups
- The Groups table should initially show the newest groups first.
- A creditor should be able to sort the table by clicking any sortable data-column header.
- Clicking Custom Rules should sort groups alphabetically by their displayed rule labels.
- A group with both supported rules should sort by the combined Expiration Date, Placement Date value.
- Groups without custom rules should remain at the end in both sort directions.
- Clicking the same column again should reverse the populated-rule order.
- The Actions column should remain non-sortable.
Visual Flow
Dynamic Membership
A group stores filtering rules rather than a permanent list of consumers. Rules may use account status, placement dates, sub-accounts, import files, or other supported filters. The system recalculates matching consumers whenever a campaign runs so the audience reflects current account data.
How It Should Work
- It should allow the creditor to create and manage groups for communication campaigns.
- It should include only consumers the creditor is allowed to access.
- Groups should be reusable when scheduling campaigns.
- It should recalculate group membership before each campaign execution.
How It Should Not Work
- It should not include consumers from another creditor.
- It should not send communications to consumers who should be excluded.
- It should not change the saved filter rules without the creditor’s action.
- It should not use stale group membership when a campaign runs.
Last modified on August 6, 2026
