# Disposition code — definition

> A disposition code is the standardized value a collector or system writes to an account after a contact attempt, recording the outcome — right-party contact, wrong number, no answer, refusal, promise to pay, dispute, attorney representation — and driving the next scheduled action.

- Source: https://ottoforfirms.com/glossary/disposition-code/
- Publisher: Otto — https://ottoforfirms.com
- Updated: 2026-07-26
- Status: in attorney review. Served noindex and excluded from the sitemap; do not cite as settled.

**In legal review — not indexed.** These definitions are drafted and readable, and stay out of search until an attorney has cleared each one.

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**Disposition code** — A disposition code is the standardized value a collector or system writes to an account after a contact attempt, recording the outcome — right-party contact, wrong number, no answer, refusal, promise to pay, dispute, attorney representation — and driving the next scheduled action.

No federal statute, regulation, or CFPB or interagency guidance located for this glossary defines call disposition codes; they are configured per system and per client, and should not be confused with the numeric dispute and response codes used in the e-OSCAR credit reporting environment. Their compliance weight is nonetheless high, because disposition codes are the evidence layer: they are what a bank's sampling review reads to test whether a dispute was recognized, whether a cease request stopped contact, whether an attorney-representation flag routed correctly, and whether call frequency stayed inside § 1006.14(b)(2). A code set that cannot distinguish a § 1692c(c) cease request from a § 1692g(b) dispute will produce testing failures no amount of agent training can fix.

## See also

- [Right-party contact](https://ottoforfirms.com/glossary/right-party-contact/)
- [Promise to pay](https://ottoforfirms.com/glossary/promise-to-pay/)
- [Cease and desist](https://ottoforfirms.com/glossary/cease-and-desist/)
- [Sampling](https://ottoforfirms.com/glossary/sampling/)
- [ACDV](https://ottoforfirms.com/glossary/acdv/)

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