Zero-Trust Authorization Framework Proposed for Debt Collection Systems

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A technical framework applying NIST SP 800-207 Zero Trust Architecture to debt collection operations has been outlined, separating authorization decision logic from execution logic. The design introduces a Universal Action Request Contract that uses cryptographic pseudonymous references instead of raw personal data, ensuring privacy across communication channels. Incoming evidence is classified into four states — missing, stale, conflicting, or invalid — to enforce strict, verifiable authorization checks before any collection action is taken. The architecture mandates deterministic decision engines over AI language models for final authorization rulings, with LLMs limited to fact extraction and record reconciliation. Short-lived, sender-constrained permits based on RFC 9449 are proposed to replace conventional bearer tokens, reducing risk in high-consequence collection operations.

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