Expert Compliance Guidance Any Time You Need It

Compliance Consulting for the Debt Collection Industry

Compliance Navigator LLC in Troy, KS is a professional compliance consulting firm that serves debt collection agencies nationwide. We help our clients avoid risks by assisting them with the design, development, and improvement of their Compliance Management Program.

Our Managing Director, Stephen Bowe, JD, MBA, CRCM is an attorney with over 20 years experience in the debt collection, consumer finance and loan servicing industries as Chief Compliance Officer and General Counsel.

Steve Bowe 2

What We Do

A good Compliance Management Program will reduce nuisance and material litigation as well as allow clients to feel secure about regulatory federal or state compliance examinations. Our purpose is to provide them with a world-class Compliance Management Program that so they can run their company more efficiently.

Why Choose Us

Our team has more than 20 years of experience in the field, and you can trust that they have the depth of expertise to carry out our work. At Compliance Navigator LLC, we offer several levels of services.

  1. Website and Unlimited “Ask the Expert” Service
  2. On-Site Training
  1. On-Site Compliance Risk Assessment
  2. On-Site Internal Control Testing
  1. Total Compliance Risk Management Programs

What We Offer

  • Debt Collection Law Expertise

  • Professional Training

  • Comprehensive Risk Assessments

  • Total Compliance Management

What Our Clients Have to Say

“Steve has been my go-to compliance resource since working together in 2012. Steve’s knowledge and experience are second to none as it relates to Debt Collection and Consumer Finance Regulatory Compliance and the attendant legal matters that arise within those industries. His thoughtful advice and guidance has allowed my debt collection agency to avoid any material litigation since I started using him. Steve and his team at Compliance Navigator use a top down method to ensure regulatory compliance. He starts with the CFPB’s Examination Manual and designed our agency’s entire compliance program around fulfilling the requirements of that guidance. Policies, procedures, testing and audit methodologies and training are all integral parts of Steve’s Compliance Management Program. Compliance Navigator is and continues to be a valuable asset to my agency and would be for anyone that chooses to utilize them.”


– Michael Vogle

Senior Vice President
Noble Financial Solutions

“We have used Compliance Navigator for three years and highly recommend their services. When we hired Steve and his team, we had what I thought was a fairly good compliance program. Compliance Navigator made it better. He initially performed an end-to-end risk assessment which identified our internal compliance controls that were either weak or non-existent. He helped us revamp and adopt new policies and procedures designed to comply with the requirements of the CFPB’s Examination Manual. Under his guidance we now conduct monthly compliance training and testing. Steve chairs our bi-weekly compliance committee meetings and is our resource for any state or federal regulatory or legal questions. With Compliance Navigator’s help I am confident our compliance program rates “Best in Class”.”


– Mark Wheeler

Berlin-Wheeler, Inc.

“Being successful in the Account Receivables Management Service Industry (ARMS) requires aligning the vision, mission and values with organizational goals. It’s not enough to simply know what we are going to do; we must also know how we are going to do it. An effective compliance management system is imperative and having current policy and procedures in place is a must. Designing and implementing an effective compliance management system takes substantial time and resources-it is an investment in the business. Understanding the magnitude and scope of work we reached out to Steve Bowe and Compliance Navigator in 2017. During our two-year relationship, Steve has worked with our staff by conducting risk assessments, designing, implementing and testing compliance controls for the reduction of high-risk compliance items and providing ongoing compliance training. Steve is committed to his work and gives thoughtful, detailed and reliable attention to our business. The quality of work, knowledge, professionalism and helpfulness that Steve and Compliance Navigator provides is invaluable.”


– Phillip W. Smith

Tulsa Adjustment Bureau, Inc. (TAB Services)

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