ArkCloud RCM is designed from the ground up to meet the strictest healthcare and collections compliance requirements. Our platform ensures HIPAA, FDCPA, TCPA, and state-specific regulatory adherence across every interaction.
PHI protection & BAA agreements
Full compliance with HIPAA Privacy and Security Rules including encryption, access controls, and breach notification procedures.
Fair debt collection practices
Automated enforcement of call time restrictions, frequency limits, and required disclosures including mini-Miranda warnings.
Telephone consent management
Consent tracking, do-not-call list integration, and automated dialing restrictions to ensure TCPA compliance.
50-state compliance coverage
State-specific collection laws, licensing requirements, and regulatory variations handled automatically.
Payment card security
Tokenized payment processing, encrypted transmission, and PCI-DSS compliant infrastructure for all transactions.
Comprehensive logging & reporting
Complete audit trails, evidence collection, and report generation for regulatory examinations and compliance reviews.
Health Insurance Portability and Accountability Act
End-to-End Encryption
AES-256 encryption for PHI at rest and TLS 1.3 for data in transit
Access Controls
Role-based access control (RBAC) with minimum necessary access principles
Data Redaction
Automatic PHI masking in logs, reports, and non-clinical interfaces
Session Management
Automatic session timeouts and re-authentication for sensitive operations
Standard BAA Included
HIPAA-compliant Business Associate Agreement provided with all accounts
Subcontractor Management
All third-party vendors vetted and covered under BAA agreements
Annual Reviews
Regular BAA reviews and updates to maintain compliance
Incident Response Plan
Documented procedures for breach detection, assessment, and notification
60-Day Notification
Timely breach notification to affected individuals and HHS as required
Fair Debt Collection Practices Act
Automatic Time Enforcement
System blocks calls before 8 AM and after 9 PM in the consumer's time zone
Time Zone Detection
Automatic detection of patient time zone based on phone number and address
Holiday Awareness
Federal and state holiday calendars prevent inappropriate contact timing
7-in-7 Rule Enforcement
Prevents more than 7 contact attempts within a 7-day period
Multi-Channel Tracking
Counts phone, SMS, email, and mail contacts across all channels
Automatic Queue Removal
Accounts automatically removed from queues when limits are reached
Validation Notice
Automatic generation and tracking of debt validation notices within 5 days
Written Communication Requirements
Templates include all required creditor information and consumer rights
Dispute Rights
Clear disclosure of consumer's right to dispute debt within 30 days
Initial Communication
"This is an attempt to collect a debt" disclosure on every first contact
Subsequent Communications
"This communication is from a debt collector" on all follow-up contacts
Script Integration
Mini-Miranda automatically inserted into agent scripts and call flows
Telephone Consumer Protection Act
Prior express written consent tracking for autodialed and prerecorded calls
Consent revocation workflows with immediate system updates
Timestamped consent records with method and source documentation
Integration with National Do Not Call Registry
Internal DNC list management with instant blocking
Automatic scrubbing against DNC lists before dialing
Manual dialing enforcement when consent is not documented
Cell phone vs. landline detection and handling
Abandoned call rate monitoring and prevention (below 3% threshold)
50-State Compliance Coverage
Statute of Limitations Tracking
Automatic tracking of state-specific debt collection time limits
Interest Rate Caps
State-specific interest rate limits enforced on payment plans
Collection Letter Requirements
State-mandated disclosure language automatically included
Exemption Limits
Respect for state-specific wage garnishment and exemption rules
License Tracking
System tracks agency licenses by state with expiration alerts
Bond Requirements
Documentation and tracking of state-required surety bonds
Geographic Restrictions
Prevents collection activities in states where agency is not licensed
Our compliance team continuously monitors state regulatory changes and updates the platform to ensure ongoing compliance. All customers receive automatic updates when new regulations take effect, with detailed change notifications and staff training materials.
Payment Card Industry Data Security Standard
Card data handled by a PCI-DSS Level 1 processor
Highest level of PCI compliance with annual third-party audits
Tokenization
Card data replaced with tokens - no sensitive data stored in system
Point-to-Point Encryption
Card data encrypted from entry point through processing
Secure Payment Gateway
PCI-certified payment gateway with fraud detection
No Cardholder Data Storage
System does not store full PANs, CVV2, or magnetic stripe data
Network Segmentation
Payment processing isolated from other system components
Access Logging
All payment system access logged and monitored
Routing card data to a PCI-DSS Level 1 processor means your organization benefits from the highest security standards without the complexity and cost of maintaining your own PCI compliance program.
Comprehensive Logging and Evidence Collection
Every action logged with user, timestamp, and IP address
Tamper-proof audit logs with blockchain verification
7-year retention for regulatory compliance
Pre-built compliance reports for common audits
Custom report builder for specific requirements
Scheduled reports automatically delivered to auditors
Call recordings stored with encryption
Email and SMS communications archived
Payment receipts and agreements digitally signed
Our multi-layered compliance approach ensures regulatory adherence at every level of the platform
Healthcare and collections regulations evolve constantly. Our compliance team monitors changes and updates the platform to keep you protected.
Continuous tracking of federal and state regulatory changes affecting healthcare collections
Platform automatically updated to reflect new compliance requirements with zero downtime
Updated training materials and documentation provided when regulations change
Subscribe to receive monthly updates on regulatory changes, compliance best practices, and platform enhancements.
Access comprehensive documentation, guides, and tools to support your compliance program
Comprehensive guide to HIPAA requirements and how ArkCloud RCM addresses each provision
Industry best practices for FDCPA compliance in healthcare collections
Independent audit report of our security, availability, and confidentiality controls
Step-by-step checklist for maintaining TCPA compliance in your collection operations
50-state reference guide for state-specific collection laws and requirements
AOC, network scan results, and penetration test summaries for PCI compliance
Our compliance team is here to help. Contact us for specific questions about regulations, audit support, or to request documentation.
For non-urgent compliance inquiries and documentation requests
For urgent compliance questions or audit support
Meet with our compliance experts to discuss your specific requirements and how ArkCloud RCM can support your compliance program.
Schedule ConsultationDon't let compliance concerns hold back your collections operations. ArkCloud RCM handles the complexity so you can focus on results.