 The program has established a national standard for the debt buying industry to ensure that certified companies are complying with state and federal statutory requirements, responding to consumer complaints and inquiries, and are following industry best practices.The program requires certified companies to conform to 20 standards ranging from data and document acquisition, chain of title, and data security to establishing consumer complaint and dispute resolution policies.Certified companies are subject to independent third-party audits as well as remediation agreements if they do not conform to the standards.