Channel Analytics
Portfolio-level channel performance · May 1–25, 2026 · 247 active accounts
Avg Contact Success Rate
61.4%+2.1pp vs prior period
Across all 4 channels · 3,241 attempts this period
Promise-to-Pay Rate
28.6%-1.8pp vs prior period
71 PTPs · $4.1M committed · 68% fulfilled historically
AI Override Rate
8.3%-0.4pp vs prior period
27 overrides this period · SMS overridden most frequently
Compliance Block Rate
2.8%+0.6pp vs prior period
7 accounts blocked · CA and NJ restrictions primary causes
Channel Performance Summary
May 1–25, 2026 · All contact attempts
| Channel | Attempts | Connected | Success % | PTP % | Override % | Compliance Blocks |
|---|---|---|---|---|---|---|
| SMS | 1,241 | 919 | 74.1% | 31.2% | 4.2% | 1 |
| Call | 892 | 607 | 68% | 38.7% | 11.4% | 4 |
| 814 | 423 | 51.9% | 22.4% | 6.8% | 2 | |
| Push | 294 | 144 | 49% | 18.1% | 3.1% | 0 |
Regional Compliance Constraints
Active regulatory restrictions by state
| Region | Active Flags | Primary Restriction | Affected Accts | Risk |
|---|---|---|---|---|
| CA | 3 | CCPA opt-out window | 12 | High |
| NY | 1 | Contact hour restriction (8am–9pm) | 8 | Medium |
| NJ | 1 | FDCPA enhanced — written notice pending | 5 | Medium |
| AZ | 2 | State collection restriction + attorney rep | 3 | High |
| MI | 1 | State cooling-off period active | 4 | Medium |
| TX | 0 | — | 0 | Low |
| FL | 0 | — | 0 | Low |
| WA | 0 | — | 0 | Low |