Compliance

Our Compliance Commitment

Troy Capital was one of the first debt buyers in the country to obtain RMA certification and among the earliest to pass its rigorous re-certification audit. Compliance is not just a requirement for us—it is a core business principle that guides every decision and every interaction.

Consumer Protection

We are committed to treating consumers with dignity and respect throughout every stage of the debt resolution process. Our practices are designed to comply with all applicable federal and state laws, including:

• Fair Debt Collection Practices Act (FDCPA)
• Consumer Financial Protection Bureau (CFPB) regulations
• Telephone Consumer Protection Act (TCPA)
• State-specific consumer protection statutes
• Health Insurance Portability and Accountability Act (HIPAA) for medical debt

Data Security

Troy Capital maintains SSAE16 SOC II annual certification based on ISO 20007 principles. Our data security program includes:

• Encrypted data transmission and storage
• Role-based access controls limiting data access to authorized personnel
• Regular security audits and penetration testing
• Comprehensive incident response procedures
• Employee training on data handling and privacy protocols

Third-Party Vendor Oversight

All third-party service providers engaged by Troy Capital are subject to rigorous due diligence and ongoing monitoring. Vendors must:

• Demonstrate compliance with all applicable laws and regulations
• Conform to Troy Capital's privacy and data security standards
• Limit use of consumer information to specified purposes
• Submit to regular performance reviews and compliance audits

Dispute Resolution

Troy Capital maintains clear and accessible dispute resolution procedures. Consumers who believe there is an error on their account or who wish to dispute a debt may contact our Chief Compliance Officer directly. All disputes are investigated promptly and thoroughly in accordance with applicable law.

Regulatory Track Record

Our commitment to compliance is reflected in our exceptional regulatory track record. Troy Capital has received only three CFPB inquiries over nearly three years of active operations, all of which were thoroughly investigated and deemed baseless. This record demonstrates our dedication to fair treatment of consumers and full regulatory adherence.