With the sunset of the CUBS collections platform set for the end of 2025, many organizations face a strategic decision: migrate early and gain control over the transition, or risk being caught in a last-minute rush that jeopardizes operations, compliance, and continuity.
Whether you’ve relied on CUBS for years or inherited it as part of an older system stack, this transition presents an opportunity to rethink how collections technology supports your workflows—not just replace one system with another.
Why Early Planning Matters
End-of-life software brings increasing risks over time. Without updates, CUBS may lack support for evolving compliance requirements or technical integrations. Additionally, internal expertise can fade as teams change, making troubleshooting more difficult and costly.
Starting your migration well before the 2025 cutoff ensures you have time for planning, training, and phased rollout—rather than a chaotic cutover.
Your Migration Checklist
1. Document Existing Workflows
Identify how teams use CUBS day-to-day. Capture all custom scripts, processes, and integrations. Ask operations, IT, and compliance to contribute.
2. Define What Must Be Retained
Are there reports, dashboards, or audit logs that regulators require? Map these features so you can evaluate if new systems match or improve them.
3. Engage Stakeholders Early
Don’t leave migration to IT alone. Get buy-in from operations, legal, finance, and even external vendors. Migration success depends on cross-functional alignment.
4. Evaluate Modern Capabilities
New systems offer advanced automation, self-serve portals, multichannel communication, and more robust analytics. Use this as a time to modernize—not replicate old limitations.
5. Plan a Transition Phase
Where possible, run old and new systems in parallel. This reduces risk and allows time to address edge cases before fully switching over.
6. Train and Support Your Staff
Even with intuitive systems, training matters. Tailor onboarding for collectors, supervisors, and QA teams with real use cases and clear expectations.
The collections industry is evolving—and many organizations are using this CUBS transition as a catalyst for broader process improvement. Platforms like Lateral are increasingly being adopted for their flexibility and compliance-ready design.
If you’re preparing for life after CUBS and want guidance on what to consider next, get in touch with our experienced implementations team—we’re happy to share what others are doing and what’s working.