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Includes

  • CFPB Validation Letters
  • EcoLetter Templates
  • Consumer Groups
  • Scheduled Campaigns
  • Campaign Tracker

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Purpose

The Communications system enables creditors to generate, deliver, track, and manage CFPB Validation Letters, EcoLetters, and consumer communication campaigns. Communications is a proactive, creditor-initiated system designed to support consumer engagement, account resolution, and regulatory communication requirements.

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Key Concept

The Communications system operates independently from Account Processing and Negotiations.

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Account Processing

Creates accounts and prepares consumers for engagement.

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Negotiations

Manages offers, counteroffers, disputes, no-pay responses, settlements, and payment plans.

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Communications

Delivers CFPB Validation Letters, EcoLetters, notifications, and communication campaigns to consumers.

CFPB Validation Letters

CFPB Validation Letters are generated during account imports and delivered later through creditor-controlled communication workflows.

EcoLetter Templates

EcoLetter Templates are reusable communication templates used to create personalized consumer communications.

Consumer Groups

Consumer Groups define which consumers receive communications.

Scheduled Campaigns

Scheduled Campaigns are communications that are set to be sent at a specific time.

Campaign Tracker

Campaign Tracker provides communication performance and engagement reporting.

Last modified on June 1, 2026