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PFC is a fully compliant FDCPA debt collection agency and is licensed in all states for debt collection recovery. Our focus on compliance and ethics have made us one of the leading debt recovery firms in the nation for the past 100 years.

ACA International PPMS Certified Agency

Professional Finance Company has achieved certification through the Professional Practices Management System (PPMS) program (provided by ACA International, the Association of Credit and Collection Professionals). This certification demonstrates PFC's commitment to achieve the highest in the industry within the areas of compliance, ethics and internal operations. Certified agencies must illustrate continuous improvement and re-certify through an external audit every 24 months.  ACA International has 5,600 members worldwide and Professional Finance Company was the 11th agency to achieve certification in 2003. Less than 2% of the ACA International members have been certified.

Annual compliance training curriculum and testing includes information on Fair Debt Collections Practices Act (FDCPA), Health Insurance Portability and Accountability (HIPAA), Telephone Consumer Protection Act (TCPA), red flag rules/identity theft, ACA code of ethics, and the role of information security.

Professional Finance Company is compliant with all federal and state laws regulating the accounts receivable management industry.

Though every state does not require a license to conduct debt collection recovery, every state does enforce a set of laws pertaining to debt collection. PFC maintains a certificate of authority or license to transact business in all states that require certification or licensure.

PCI DSS Compliance

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that all companies that process, store or transmit credit card information maintain a secure environment.


PFC employs a robust closed-loop compliance program through the use of tools and technology developed specifically for the accounts receivable management industry.  Through the use of this compliance system, PFC is able audit and improve upon its policies and procedures to become more efficient while reducing compliance risks for itself and its clients.

ACA International BBB - Professional Finance Company, Inc. International Association of Commercial Collectors, Inc.