All terms

Disposition code

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 contactA right-party contact, or RPC, is a live conversation with the consumer actually obligated on the account, as opposed to a wrong number, a third party, or an unanswered attempt.
• Promise to payA promise to pay, or PTP, is a consumer's commitment during a contact to pay a stated amount on a stated date, logged on the account and used to schedule follow-up and suppress other collection activity until the date passes.
• Cease and desistA cease and desist is a consumer's written notice that they refuse to pay the debt or want the collector to stop contacting them, after which the collector must stop communicating about that debt except to acknowledge termination of efforts or to state that a specified remedy may be or will be invoked.
• SamplingSampling is the selection of a subset of accounts, calls, letters, or files for transaction testing, sized and structured to support a conclusion about the compliance of the whole population.
• ACDVAn ACDV, or Automated Consumer Dispute Verification, is the electronic form a consumer reporting agency transmits to a furnisher to relay a consumer's dispute and collect the furnisher's investigation response.

This is an informational reference, not legal advice, and using it creates no attorney-client relationship. Limitations periods turn on facts this page cannot know — which state's law governs, the contract type, when the claim accrued, and whether anything tolled or revived it. Confirm against the primary source and your own counsel before acting.