Insights

Notes from the operating floor.

Working notes on the debt-collections industry — benchmarks, compliance analysis, operational research, and strategy from the team at Aurore Labs. Written for operators, not analysts.

Coming soon

Publishing Q3 2026
Benchmark

RPC benchmark 2026: what good looks like, by portfolio class.

Right-party contact rates vary by 22 percentage points across portfolio types — and most agencies are benchmarking against the wrong peer group.

Coming soon
Compliance

Reg F enforcement: five errors auditors keep finding.

CFPB examiners have identified a consistent set of Regulation F violations across examinations. Here is what they are and how to close them.

Coming soon
Operations

CollectMax to Aurore: how to read your own data without migrating.

Your SOR has more signal than you're reading. A practical guide to extracting performance intelligence from CollectMax without changing a single workflow.

Coming soon
Litigation

Tyler Odyssey eFile rejects: a taxonomy.

A breakdown of the most common reject reasons across 14 state filing systems, and the automation rules that eliminate each one.

Coming soon
Strategy

Net back math: the lever most agency CEOs leave on the table.

Net back — what you actually keep after SOR costs, labor, compliance overhead, and bad debt — is the only number that matters. Most agencies aren't tracking it right.

Coming soon
Portfolio

The valuation gap: why two brokers price the same paper 18% apart.

Portfolio valuation divergence is real and consistent. The inputs that drive the gap are mostly within the seller's control — if they know what they are.

Coming soon

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