2024 Credit Reporting Review: Impactful Changes and Future Forecast — FCRA Focus Podcast
Podcast - The CFPB Takes Action on a Toronto-Based Bank’s Consumer Credit Reports
Breaking Down Credit Reporting With Credit Builders Alliance — FCRA Focus Podcast
Resolving FCRA Disputes With e-OSCAR: Insights from Joel Strickland — FCRA Focus Podcast
The CFPB's Rule to Remove Medical Debt from Credit Reports
U.S. District Court Addresses Federal Preemption for State Credit Reporting Laws
The FTC Enforces the Fair Credit Reporting Act
Year in Review and a Look Ahead: The Evolving Landscape of Background Screening and Credit Reporting — The Consumer Finance Podcast
RegFi Episode 9: Consumer Data Collection and Usage with Eric Ellman
Third Circuit holds creditors should investigate all indirect disputes of accounts on a credit report
Consumer Finance Monitor Podcast Episode: Responding to Direct and Indirect Identity Theft Disputes Under the FCRA: What Are The Differences?
Consumer Finance Monitor Podcast Episode: A Deep Dive into Mass Mailings by Debt Relief Law Firms
Third Circuit Hands Down Decision in FCRA Pay Status Cases - FCRA Focus Podcast
The Third Circuit’s Decision in Bibbs v. Trans Union: What it Means for Fair Credit Reporting Act Litigation
Keeping Up With the Bureau Episode 3: Evolving Federal and State Requirements for Furnishers and Users of Consumer Reports - The Consumer Finance Podcast
Keeping Up With the Bureau Episode 2: FCRA Preemption Issues, Infringing State Laws, and the CFPB's Position
CFPB’s Increasingly Active Interest in Credit Reporting - FCRA Focus Podcast
CFPB Advisory Opinion on Name-Only Matching Under FCRA - The Consumer Finance Podcast
A Conversation with Kristi Kelly of Kelly Guzzo - FCRA Focus Podcast
Current Trends in FCRA Litigation - The Consumer Finance Podcast
According to a recent report by WebRecon, court filings under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) rose by double digits while litigation under Telephone Consumer Protection Act...more
The trade group representing debt collection agencies, creditors, debt buyers, collection attorneys, and debt collection industry service providers has filed suit challenging the Colorado law that bans the inclusion of...more
The UK Financial Conduct Authority (FCA) has published a statement with findings from its review of certain credit builder products, which claim to improve consumers' credit scores by reporting regular payments to credit...more
On October 22, the U.S. District Court for the Central District of California denied a credit reporting agency’s renewed partial motion to dismiss and motion to strike the CFPB’s second amended complaint in ongoing litigation...more
With health care costs rising, recent legal developments have altered how medical debt shows up on credit reports that employers conduct on job applicants and employees. Employers may want to stay abreast of the changing...more
On November 5, 2025, a national debt collection trade group and one of its members filed a lawsuit against the state of Colorado’s in an attempt to block its 2023 medical debt credit reporting law, HB 23-1126. The complaint...more
The Dutch Data Protection Authority (“AP“) has imposed a fine of €2.7 million on Experian Nederland B.V. (“Experian“) for breaches the General Data Protection Regulation (“GDPR“)....more
Financial inclusion remains a particular area of focus for both the FCA and the government, and on 5 November 2025 HM Treasury (HMT) published its awaited Financial Inclusion Strategy....more
On October 28, the CFPB published an interpretive rule in the Federal Register, replacing a previously withdrawn 2022 FCRA interpretive rule and clarifying that the FCRA “generally preempts State laws that touch on broad...more
On October 16, a judge in the U.S. District Court for the District of Kansas denied a defendant’s motion to dismiss an FDCPA case, holding that the plaintiff had standing to pursue her claims. ...more
On October 14, the Maryland Office of Financial Regulation (OFR) issued regulatory guidance explaining three new state laws governing the collection and reporting of medical debt. The guidance clarifies how House Bills 428,...more
Evolving credit checks requirements means employers in financial services are challenged more than ever to stay current because they conduct credit checks on prospective candidates more frequently than those in many other...more
On September 29, the FTC announced a $5.7 million proposed settlement with a business credit report provider to resolve allegations that it violated a 2022 FTC order. ...more
On September 26, the CFPB filed a memorandum opposing a credit reporting agency’s renewed motion to dismiss the Bureau’s second amended complaint in ongoing litigation in the U.S. District Court for the Central District of...more
HM Treasury (HMT) has launched a consultation and call for evidence to assess potential enhancements to the UK's Commercial Credit Data Sharing (CCDS) scheme. CCDS, established under the Small and Medium Sized Business...more
In a new consent order with the FTC, the Company has agreed to pay $5.7 million to resolve allegations that it violated a 2022 FTC order finding that it engaged in unfair and deceptive practices by providing inaccurate...more
On September 22, 2025, California Gov. Gavin Newsom signed the Mortgage Forbearance Act into law, with an immediate effective date. The law, designed to provide emergency relief to California mortgage loan borrowers impacted...more
A group of 19 Democratic AGs sent letters to the CFPB opposing proposals that would narrow the Bureau’s oversight in certain markets and reduce the number of companies subject to regulation. In their letters regarding...more
The CFPB is considering proposing amendments to Regulation V, which implements the Fair Credit Reporting Act (FCRA), to address concerns related to information furnished to consumer reporting agencies regarding coerced debt. ...more
I served on the Board, and am a big fan of Foster Forward, an amazing organization located in Rhode Island that provides services to foster children and youth and supports the child welfare system as a whole. During my many...more
On September 5, the Homebuyers Privacy Protection Act (H.R. 2808) was signed into law. The law amends the Fair Credit Reporting Act to restrict the sale of consumer information generated when borrowers apply for residential...more
The Interim Working Group (IWG) advising on the UK Financial Conduct Authority's (FCA) Credit Information Market Study has issued a formal response to the FCA's feedback on its final report regarding the establishment of the...more
This alert is part of Holland & Knight's Garden State Initiative, a firmwide effort to enhance coordination among attorneys, clients and professional networks with ties to New Jersey to foster greater collaboration across...more
On July 18, 2025, the Eleventh Circuit rejected the notion that plaintiffs can “manufacture” Article III standing by identifying “self-inflicted harm” such as “expenditure of money and wasted time to correct an otherwise...more
On August 8, the CFPB published four advance notices of proposed rulemaking in the Federal Register seeking public comment to reconsider the test for defining larger participants in the consumer reporting, debt collection,...more