1. Accessibility (ADA Compliance)

• Americans with Disabilities Act (ADA) requires electronic communications to be accessible to individuals with disabilities.
• Screen readers cannot interpret text embedded in images, making the email inaccessible to visually impaired individuals.

2. Regulatory Compliance

• Debt collection agencies are bound by laws like the Fair Debt Collection Practices Act (FDCPA) to ensure clear, accessible, and accurate communication.
• Image-only emails can obscure critical details and may fail to meet these legal requirements, leading to non-compliance risks.

3. Scalability and Readability

• Images often fail to scale well on different devices, especially mobile phones, resulting in poor readability and a frustrating user experience.

4. Searchability

• Text embedded in images cannot be indexed or searched, making it difficult for consumers and regulators to find specific information.

5. Interactivity

• Image-only emails lack interactive elements like clickable links or form fields, reducing their functionality and engagement potential.

6. Load Times and Spam Concerns

• Large image files slow down email load times, increasing the chance that email providers will flag them as spam or phishing attempts.