scorecard.json

{
  "call_summary": "A recorded outbound collection call from an Acme Recovery agent to a consumer about a past-due balance. The agent gave the required debt-collection disclosure and identified themselves, but threatened arrest and wage garnishment if the balance was not paid immediately, and never verified they were speaking with the correct consumer before discussing account details.",
  "language": "en",
  "overall_verdict": "violations_found",
  "requirements": [
    {
      "id": "mini_miranda",
      "name": "Mini-Miranda disclosure",
      "regulation": "FDCPA §807(11)",
      "severity": "high",
      "verdict": "pass",
      "evidence": [
        {
          "quote": "This is an attempt to collect a debt, and any information obtained will be used for that purpose.",
          "speaker": "agent",
          "start_time_seconds": 11.0,
          "end_time_seconds": 18.0
        }
      ],
      "rationale": "The agent delivered the required debt-collection disclosure verbatim near the start of the call.",
      "statutory_exposure_usd": null,
      "confidence": 0.97,
      "needs_human_review": false
    },
    {
      "id": "caller_identification",
      "name": "Caller & company identification",
      "regulation": "FDCPA §807(11)",
      "severity": "medium",
      "verdict": "pass",
      "evidence": [
        {
          "quote": "Good afternoon, this is Marcus Bell calling from Acme Recovery Associates on a recorded line.",
          "speaker": "agent",
          "start_time_seconds": 3.0,
          "end_time_seconds": 10.5
        }
      ],
      "rationale": "The agent identified themselves by name and named the collection company on a recorded line.",
      "statutory_exposure_usd": null,
      "confidence": 0.95,
      "needs_human_review": false
    },
    {
      "id": "no_threats_or_harassment",
      "name": "No threats, intimidation, or harassment",
      "regulation": "FDCPA §806",
      "severity": "critical",
      "verdict": "fail",
      "evidence": [
        {
          "quote": "If you don't pay the full amount today, we will have you arrested and garnish your wages.",
          "speaker": "agent",
          "start_time_seconds": 53.0,
          "end_time_seconds": 60.0
        }
      ],
      "rationale": "The agent threatened arrest and wage garnishment for non-payment — actions that cannot lawfully be taken this way — which is a prohibited threat under FDCPA §806.",
      "statutory_exposure_usd": 1500.0,
      "confidence": 0.96,
      "needs_human_review": false
    },
    {
      "id": "no_false_representations",
      "name": "No false or misleading representations",
      "regulation": "FDCPA §807",
      "severity": "high",
      "verdict": "insufficient_evidence",
      "evidence": [
        {
          "quote": "The current balance on the account is four thousand two hundred and eighteen dollars.",
          "speaker": "agent",
          "start_time_seconds": 43.0,
          "end_time_seconds": 49.5
        }
      ],
      "rationale": "The agent stated a specific balance, but the call alone does not establish whether that amount is accurate, so misrepresentation can neither be confirmed nor ruled out.",
      "statutory_exposure_usd": null,
      "confidence": 0.4,
      "needs_human_review": true
    },
    {
      "id": "right_party_verification",
      "name": "Right-party contact verification",
      "regulation": "FDCPA §805",
      "severity": "high",
      "verdict": "insufficient_evidence",
      "evidence": [
        {
          "quote": "I'd rather not give that out over the phone.",
          "speaker": "customer",
          "start_time_seconds": 39.0,
          "end_time_seconds": 42.5
        }
      ],
      "rationale": "The agent asked to confirm the account holder but the consumer declined to verify their identity, and the agent discussed balance details without completing verification. Whether this was the right party is unresolved.",
      "statutory_exposure_usd": null,
      "confidence": 0.45,
      "needs_human_review": true
    },
    {
      "id": "calling_time_window",
      "name": "Permitted calling-time window",
      "regulation": "TCPA / FDCPA §805(a)(1)",
      "severity": "medium",
      "verdict": "pass",
      "evidence": [
        {
          "quote": "Good afternoon, this is Marcus Bell calling from Acme Recovery Associates on a recorded line.",
          "speaker": "agent",
          "start_time_seconds": 3.0,
          "end_time_seconds": 10.5
        }
      ],
      "rationale": "The agent's greeting indicates an afternoon call, consistent with the permitted 8:00am–9:00pm contact window.",
      "statutory_exposure_usd": null,
      "confidence": 0.6,
      "needs_human_review": false
    }
  ],
  "action_items": [
    "Escalate the threat of arrest and wage garnishment (FDCPA §806) to compliance for immediate coaching and possible consumer remediation.",
    "Re-train the agent on right-party verification before disclosing any account details.",
    "Confirm the stated $4,218 balance against the account of record to rule out a false representation."
  ],
  "confidence": 0.82,
  "warnings": [
    "Illustrative sample graded against the default FDCPA/TCPA starter rule set — not legal advice."
  ],
  "id": "demo-audit-0001",
  "source": {
    "type": "upload",
    "url": null,
    "platform": "mock",
    "title": "Sample Collection Call — Acme Recovery",
    "duration_seconds": 242.0,
    "channels": 2
  },
  "model_used": "gemma-4-31b-it",
  "generated_at": "2026-07-10T18:30:00Z",
  "risk": {
    "total_exposure_usd": 1500.0,
    "violation_count": 1,
    "critical_count": 1,
    "insufficient_count": 2,
    "coverage": "full"
  },
  "processing": {
    "transcriber": "whisper:whisper-large-v3 (cuda)",
    "synthesizer": "gemma:gemma-4-31b-it",
    "device": "cuda",
    "gpu_name": "AMD Instinct MI300X",
    "rocm_version": "6.4.43482",
    "audio_seconds": 242.0,
    "realtime_factor": 61.5,
    "transcript_chars": 87,
    "elapsed_seconds": 3.94
  }
}