We help people recover from financial difficulty and turn toward a path of economic empowerment. We believe this can only be achieved through mutual engagement, understanding, collaboration and respect between our company and consumers.



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Consumer Bill of Rights

The Consumer Bill of Rights details our commitment to conduct business ethically and in ways that support our consumers’ financial recovery.



Encore’s Consumer Credit Research Institute (CCRI) is dedicated to understanding consumer financial decision making, especially within subprime credit and low- and moderate-income populations. Its research is interdisciplinary and focused on creating new insights to advance public policy, financial education, and commercial innovation.


Corporate Social Responsibility

We believe that our business success is tied to the success of our efforts to strengthen the economic, social, and cultural fabric of our communities. We focus on economic empowerment and helping communities through better education, job training and basic support services.