Encore Capital Group Inc ECPG
Latest 10-Q
What changed in Encore Capital Group Inc's latest quarterly report, compared with the one before.
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Insider trades
Open-market trades from Form 4. 10b5-1 marks a plan set in advance.Open-market buys and sales by officers, directors and 10% owners, from SEC Form 4. A plan set in advance is marked 10b5-1.
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13F holders
Funds that report this stock, checked against market prices.Fund managers with over $100 million in US-listed stocks file a 13F each quarter, up to 45 days after quarter end. Long positions only.
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Trades by members of Congress
Disclosed in dollar ranges, up to 45 days after the trade.Members of Congress, their spouses and dependent children report trades in dollar ranges, up to 45 days after the trade.
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Lobbying
What Encore Capital Group Inc and its lobbying firms report each quarter.A company that lobbies with its own staff reports its expenses; a lobbying firm it hires reports the income it received. We count both.
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Lobbying and contracts
$200.0K · — in 12 moWhat Encore Capital Group Inc reported spending on lobbying next to the federal contracts it was awarded, by year.Lobbying: each report counts once. If a report was amended, only the newest version counts. Totals use the company's own report when it files one (it includes payments to hired firms); otherwise the hired firms' reported income. Registrations and reports with no amount are not counted. A firm that hands part of its work to another firm may report the same money as that other firm does; the filings do not allow us to tell. Contracts: each award is counted once, for the company that received it (or its listed parent when only the parent is matched), in the year of its first obligation. The amount is the total obligated to date, so a later increase is counted in the year the award began. Only awards of $1 million or more are collected. Agencies: the offices named on lobbying reports and the awarding agencies of contracts are matched to one department name (the Army, Navy and Air Force count as the Department of Defense; NIH, FDA and CMS as Health and Human Services). An agency is listed under both when the company lobbied it and was awarded a contract by it in the same period. Offices outside this list, and Congress, are not counted as agencies.
Lobbying Federal contractsBoth bars use one dollar scale.
| Gifts by the company's PAC to candidates for Congress. They come from donations to the PAC, not from the company's own funds. | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 2026 (year to date) | $150.0K | 3 | Financial institutions and securities | Consumer Financial Protection Bureau | — | — | — | — | — |
| 2025 | $200.0K | 4 | Financial institutions and securities | — | — | — | — | — | — |
| 2024 | $50.0K | 1 | Financial institutions and securities, Telecommunications | — | — | — | — | — | — |
Agencies both lobbied and awarding contracts
No agency appears on both sides in the last 12 months.
Lobbying and contract awards are reported separately; showing them together does not mean one caused the other.
Capitol Hires at Encore Capital Group Inc
2 hiresLobbyists for Encore Capital Group Inc who say they once worked in Congress or the executive branch.
| The covered position the lobbyist says they held: an office of a member of Congress, a committee or an executive-branch body, as written in the filing. The member's name is a link only when exactly one member of Congress fits the name, chamber, first name and years given; otherwise it stays as written. | The lobbying report (LDA form LD-2) that names this lobbyist and office, with a link to it. Report period is the quarter the report covers; Posted is the day it was filed or amended, which can be much later. The same lobbyist is named again on each quarterly report for the same client, so a row is shown once, from the newest report, with the number of filings that name them. | |||
|---|---|---|---|---|
| Jason Rosenstock | Tom Lantos (House) Member office · House | Legislative Counsel | Thorn Run Partners | Report period 2026 Q3 ↗ Posted Oct 19, 2026 · in 8 filings |
| Charles Thomas | Robert Pittenger Member office · Republican-NC | Not stated | Thorn Run Partners | Report period 2026 Q3 ↗ Posted Oct 19, 2026 · in 8 filings |
Each row reflects what was disclosed at the time of filing. A lobbyist listed may no longer be registered.
Consumer complaints at Encore Capital Group Inc
Jul–Sep 2026Complaints to the CFPB about Encore Capital Group Inc: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 5,534 complaints, +25.5% against Jul–Sep 2025 (4,409). 100% were answered in time; 13% of the 5,443 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Debt collection | 4,650 | 84% | 3,462 | +34.3% | 100% | 14% |
| Credit reporting or other personal consumer reports | 776 | 14% | 833 | -6.8% | 100% | 10% |
| Credit card | 59 | 1% | 64 | -7.8% | 100% | 21% |
| Debt or credit management | 44 | 1% | 43 | — | 100% | 33% |
| Payday loan, title loan, personal loan, or advance loan | 2 | 0% | 2 | — | 100% | 0% |
| Checking or savings account | 1 | 0% | 2 | — | 100% | 100% |
| Money transfer, virtual currency, or money service | 1 | 0% | 1 | — | 100% | 0% |
| Vehicle loan or lease | 1 | 0% | 2 | — | 100% | 0% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Attempts to collect debt not owed Debt collection | 2,306 | 1,217 |
| Took or threatened to take negative or legal action Debt collection | 852 | 767 |
| Written notification about debt Debt collection | 732 | 491 |
| False statements or representation Debt collection | 516 | 704 |
| Incorrect information on your report Credit reporting or other personal consumer reports | 432 | 471 |
| Improper use of your report Credit reporting or other personal consumer reports | 207 | 149 |
| Communication tactics Debt collection | 148 | 186 |
| Problem with a company's investigation into an existing problem Credit reporting or other personal consumer reports | 126 | 202 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Institutional ownership over time
How many funds reported holding the stock at the end of each quarter, and how many shares they held between them.
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More filings and data
Each opens the table.
About the company
The basics from the company’s SEC registration.
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Adjusted for stock splits; not for dividends. Where prices come from.
Live chart
Intraday and historical prices from TradingView. Quotes may be delayed.
Information, not investment advice. Company matching is automatic; check the source before relying on one row.