About
A foundation built to be neutral
The OpenAR Collective exists to give the accounts receivable and debt collection industry shared infrastructure that belongs to the industry itself rather than to any one company.
Formation
The Open Accounts Receivable Collective Foundation is a Delaware non-stock nonprofit corporation, incorporated April 13, 2026, and headquartered in Fort Worth, Texas. It operates under the trade name The OpenAR Collective. The Foundation's 501(c)(3) status is pending; it will file Form 1023 with the Internal Revenue Service following review by counsel. It is not currently soliciting contributions.
The Foundation's software and published resources are free to use, and no membership is required to access them. The Foundation does not engage in lobbying or political advocacy, and it does not accept payment for endorsement, ranking, or favorable treatment of any kind. Some programs that support the Foundation's work, including vendor certification and live training, may carry fees. Nothing the Foundation publishes will be placed behind them.
Governance built to resist capture
A nonprofit serving a concentrated industry faces a structural risk: that a single funder, vendor, or faction accumulates enough influence to steer the organization toward private interests. The Foundation's answer is structural rather than aspirational, and it was put in place before the organization opened its doors.
The bylaws require that independent directors constitute at least two-thirds of the Board at all times, with the founder counted as non-independent for as long as he serves. Directors serve staggered terms across three classes. A written Anti-Capture Policy limits any single employer or commonly controlled group to one affiliated director, sets concentration limits on the share of revenue that may come from any single funder, and bars any funder above a defined threshold from holding or appointing a board seat.
The Board has also adopted written policies covering conflicts of interest, anti-nepotism, trademarks, open source licensing, whistleblower protection, document retention and destruction, volunteer and expense reimbursement, gift acceptance, and antitrust compliance. The bylaws and every adopted policy are published in full on the policies page.
The founding Board
The Foundation's five founding directors were seated in July 2026 and elected officers at the Board's organizational meeting. The Board may expand to as many as nine seats. The Foundation intends to fill the remaining seats from people who are actively contributing to the community, drawn from a range of backgrounds and perspectives rather than from a single corner of the industry. Seats are not available through sponsorship or donation.
Rob Grafrath
Chair
Founder of the Foundation, with 27 years in accounts receivable, beginning as a collector in 1999 and moving through senior technology and business development leadership at collection agencies, debt buyers, and a receivables software platform. He currently works as an independent technology consultant to the industry.
Mark Cavin
Vice Chair
A career collections executive who has led recovery operations for consumer, commercial, and student loan portfolios, and who formerly served as Debt Collections Market Senior Policy Fellow at the Consumer Financial Protection Bureau. He consults for the industry and serves as an expert witness.
Porter Heath Morgan
Secretary
A third-generation collection attorney who grew up in the industry and has spent nearly two decades as counsel to collection agencies, collection law firms, debt buyers, healthcare providers, and technology companies. He speaks and writes frequently on artificial intelligence, compliance, and the future of the industry.
Donna Weaver
Treasurer
An entrepreneur and product strategist whose career spans consumer finance, procurement, collections, and financial technology, including her tenure as President of RNN Group. She is the founder and Chief Executive Officer of Debt Free Americans, a nonprofit leading the No One Is Alone Anymore™ consumer-finance initiative, expanding digital financial resolution and creating new ways for human-to-human bill-pay gifts and donations at scale.
Lucas Brown
Director
Managing partner at Saige Analytics, specializing in data analysis and decision science, with responsibility for bringing technical depth to the questions that reach the Board.