The training arm of Midwest Service Bureau
Compliance training built for the people on the phone
Collectors work inside federal statute, fifty sets of state rules, and health-privacy law at the same time. The Academy turns that into four structured tracks, records who has completed what, and issues a certificate you can show a client or an examiner.
Four required tracks. Accounts are created by your administrator — ask them to add you.
The curriculum
Four tracks every collector is expected to complete
Each track maps to a distinct source of legal authority. Together they cover the rules a collector is accountable to on an ordinary working day.
FDCPA Compliance
Fair Debt Collection Practices Act (15 U.S.C. §1692) + Reg F
The federal rules that govern how a collector may contact a consumer — permitted contact windows, required disclosures, prohibited practices, and the validation and dispute process.
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State Law & Licensing
State-by-state collection statutes
How collection authority changes at the state line: licensing and bonding obligations, statutes of limitation, interest and fee limits, and state-specific notice requirements.
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HIPAA & Medical Debt
PHI handling for healthcare receivables
Handling protected health information on healthcare receivables — the minimum necessary standard, permitted disclosures, business associate obligations, and breach response.
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MSB Best Practices
Midwest Service Bureau collector playbook
The Midwest Service Bureau collector playbook — call handling standards, documentation and account notation, payment arrangement practice, and internal escalation paths.
View track
Why it matters
Compliance risk sits with the person on the phone
Collection work is one of the more heavily regulated things a company can do. Most of that regulation is enforced at the level of a single conversation.
Federal statute applies to every call
The FDCPA and Regulation F govern when a consumer may be contacted, what has to be disclosed, and what may never be said. Liability attaches to the conduct of the individual collector, not just the agency.
The rules change at the state line
Licensing, bonding, limitation periods, and permitted fees are set state by state. A collector working a multi-state portfolio is working under several rulebooks at once.
Medical receivables add health-privacy duties
Healthcare accounts carry protected health information. Handling it correctly is a separate obligation from collection law, with its own safeguards and its own breach consequences.
The Academy exists to make that training consistent and provable — the same standard for every collector, with a record of who completed what and when.
How it works
Three steps from account to certificate
- 1
Enroll
An administrator creates your account. Every learner is assigned to the four required tracks.
- 2
Complete the modules
Work through each track at your own pace. Progress is saved per module so you can stop and resume.
- 3
Earn the certificate
Finishing a track records a dated completion and issues a certificate for your compliance file.
- Required compliance tracks
- 4Required compliance tracks
- Regulatory regimes covered
- 3Regulatory regimes covered
- Certificate per completed track
- 1Certificate per completed track
- Completion recorded per learner
- 100%Completion recorded per learner
Already have an Academy account?
Sign in to see your tracks. Accounts are created by an administrator — if you do not have one yet, ask the person who manages compliance training for your team.