PPMS- Professional Practices Management System


Above all things, Zealandia Capital is a PPMS Certified agency through ACA International. PPMS stands for Professional Practices Management System, and is a designation designed with CFPB (Consumer Financial Protection Bureau) compliance in mind. There are less than 2% PPMS certified companies in the United States. Developing and implementing this new compliance system was a yearlong project that required the participation and input of every department within Zealandia Capital.  It will aide in ensuring we are continuously meeting the strict standards within our industry.


As a PPMS certified company, Zealandia Capital must have procedures in place for each of the required 18 elements, including management responsibility and document and data control, as well as a way to track consumer complaints. Zealandia Capital now has a compliance system in place to identify the effectiveness of its operations. The certification requires documentation of any instances of non-compliance, correction of the issue, and follow-up for continuous improvement.

Certified agencies must meet requirements including developing a compliance management system, creating supporting documents such as a company manual and submitting specific business records to an independent auditor to assure compliance with the program’s high standards.

The certification represents an ongoing commitment to industry laws, with an eye toward the strict regulatory environment imposed on the collection industry by federal agencies such as the Consumer Financial Protection Bureau, which can impose hefty fines based on consumer generated complaints.

At Zealandia Capital, we pride ourselves in having the opportunity to enhance our procedures to ensure that we maintain the highest industry standards while protecting consumers from unfair, deceptive, or abusive tactics while providing our clients and their consumers with our ability to listen, connect, and collect.