Fair Money & Economic Opportunity

Encore Capital Group's business model focuses on defaulted consumer receivables, with recent surveys (2025) indicating that 29% of U.S. adults and 19% of U.K. adults have past-due debt, particularly younger and low-income individuals.

The company settled with the Consumer Financial Protection Bureau (CFPB) in 2015, incurring a $43 million after-tax charge related to concerns about time-barred debt and dispute language. Encore operates with a Consumer Bill of Rights, which was expanded to strengthen consumer protections and suspends collection activities for consumers demonstrating significant financial hardship. Its subsidiary, Propel Financial Services, helps home and business owners resolve property tax debt through affordable monthly payment plans. Encore offers financial literacy programs like Money Matters and Skills 4 Bills, impacting over 200 students as of June 2017, and partners with Junior Achievement USA. Cabot's Budget Planner tool helps consumers track finances and develop sustainable plans, with customized plans reviewed every 6-10 months.

Fair Pay & Worker Respect

The provided article is a placeholder and contains no quantitative data, regulatory actions, certifications, awards, or comparisons to industry benchmarks relevant to fair pay and worker respect.

Therefore, no KPIs can be scored.

Fair Trade & Ethical Sourcing

ECPG.US is a specialty finance company. The provided articles, including company reports and policy documents, do not contain any specific quantitative data or performance metrics relevant to fair trade certifications, supplier audit frequency, forced or child labor incidents, supply chain traceability, remediation speed for sourcing violations, ethical clause coverage in supplier contracts, or materials risk index.

Additionally, there is no data on the percentage of procurement budget directed to diverse suppliers for ECPG.US; explicitly refers to 'Encore Global's Supplier Diversity Program, not ECPG.US'. Consequently, all KPIs under the 'Fair Trade & Ethical Sourcing' value must be omitted due to a complete lack of relevant evidence for the assessed company.

Honest & Fair Business

Encore Capital Group incurred $12,016,989 in ethics-related regulatory fines over the past three years, including $12,000,000 in 2022 from MA-AG, $10,001 in 2023 from EBSA, and $6,988 in 2025 from CA-LCO.

The company has a formal whistleblower policy, a 24/7 hotline, a 'Speak Up' button on its internal homepage, and country-specific Whistleblower Champions, with annual training in place. Approximately 66.7% of its board members are diverse in race or gender, but there is no specific data on the percentage free from material conflicts of interest. The company has an anti-corruption policy, a Vendor Code of Conduct, and a Global Human Rights Policy, with anti-bribery and anti-corruption training provided. Third-party audits of business units are conducted, and the company holds ISO 27001:2013 certification for data security.

Kind to Animals

Encore Capital Group is a service-oriented company focused on debt recovery solutions.

As such, the majority of animal welfare KPIs, including those related to cruelty-free certification, animal testing, animal husbandry, and animal agriculture, are not applicable to its business model. The company does not produce products, engage in animal testing, or manage animal-related operations. While the company's 2023 ESG Report mentions environmental sustainability initiatives such as planting over 7,000 trees and revitalizing 21 acres of land, the provided evidence does not include specific measurable biodiversity impacts, species recovery metrics, or the percentage of revenue allocated to these efforts, which are required for scoring the 'wildlife_conservation_impact' KPI. The company's Government Affairs team engages in public policy matters, but there is no specific mention of engagement related to animal welfare policy.

No War, No Weapons

The company's Global Human Rights Policy aligns with international human rights treaties and norms, which indicates that UN Guiding Principles are referenced in policy.

The company has a Standards of Business Conduct and a Vendor Code of Conduct, which serve as codified ethical red lines. Compliance with these ethical standards is supported by comprehensive training, regular call monitoring, data checks, and performance reviews, indicating that violations trigger investigation.

Planet-Friendly Business

Encore Capital Group's Scope 1 and 2 emissions for 2023 were 4,091 tCO2e, which is considered non-material for a services provider.

Approximately 37% of the company's operational energy in 2022 was sourced from renewables, primarily in Costa Rica and the UK. The MCM India office received LEED Gold certification. In 2023, MCM India collected approximately 75 kilograms of e-waste for responsible disposal, and the company has recycling programs and plastic-free breakrooms/cafeterias. Encore has partnered with local NGOs to restore biodiversity in Haryana State, India, revitalizing 14 acres of wasteland and investing in an additional 10 acres in the Aravalli Wastelands. The company also supported planting over 7,000 trees across key markets. No specific regulatory actions, violations, fines, or compliance issues are mentioned in the provided articles.