Resellers in the Middle: Duties, Data, and Defenses Under the FCRA — FCRA Focus Podcast
Driven by Data: Auto Finance Trends Uncovered - Moving the Metal: The Auto Finance Podcast
The Next FCRA Frontier: Identity Theft and CFPB Updates — FCRA Focus Podcast
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
CFPB’s Supervisory Highlights on Auto-Finance and Auto-Servicing — The Consumer Finance Podcast
Podcast - The CFPB's Effort to Remove Medical Debt from 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
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?
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
On March 16, the U.S. District Court for the Northern District of Indiana granted summary judgment in favor of a credit reporting agency and against a consumer who alleged violations of the FCRA arising from purported...more
Welcome to the ninth chapter of our annual report, Consumer Financial Services: 2025 Year in Review. In 2025, Goodwin tracked four public enforcement actions related to credit reporting requirements or credit monitoring or...more
Earlier this month, the FTC released updated text of the Fair Credit Reporting Act (FCRA), which compiles the complete text of the FCRA, including all amendments, into one document to assist users and furnishers of consumer...more
On February 27, the U.S. District Court for the Western District of New York dismissed a pro se consumer’s lawsuit against an insurer for alleged credit reporting violations under the FCRA, granting 45 days to amend the...more
Although an interpretive rule that made Buy Now Pay Later (BNPL) services subject to the Truth in Lending Act has been withdrawn, the issue remains a flashpoint in the industry and among policymakers, according to the...more
On February 25, the U.S. District Court for the Western District of Arkansas granted a student loan servicer’s motion to dismiss and denied a borrower’s motions, dismissing without prejudice a dispute over student loan debt...more
The FCA is consulting on some of the FCA-led remedies from the package of measures set out in the December 2023 final report on its Credit Information Market Study (CIMS). These include proposed new mandatory reporting...more
The UK Financial Conduct Authority (FCA) has published consultation paper CP26/7 outlining its proposed approach to implementing the FCA led remedies arising from the credit information market study. The study introduced a...more
In a recent decision, the U.S. Court of Appeals for the Eighth Circuit affirmed summary judgment in favor of Freedom Mortgage Corporation, rejecting Fair Credit Reporting Act (FCRA) claims brought by borrowers who insisted...more
On February 4, the U.S. District Court for the Middle District of Florida dismissed a pro se plaintiff’s complaint alleging violations of the FCRA against a consumer reporting agency. The plaintiff claimed the agency...more
On February 2, the U.S. District Court for the District of Nevada granted a motion to dismiss in a case involving allegations of inaccurate credit reporting during bankruptcy proceedings. The court found that the plaintiff,...more
Recently, the U.S. District Court for the Northern District of Illinois denied a joint motion to dismiss filed by three credit reporting agencies in a case involving alleged violations of the FCRA. The litigation, which also...more
On December 19, 2025, Governor Kathy Hochul signed into law S03072, amending the New York Fair Credit Reporting Act (“the “Act”) and prohibiting New York employers, labor organizations, employment agencies, or its agents from...more
A new class action lawsuit against an AI recruiting platform could have significant implications for employers using artificial intelligence to screen job candidates. Two job applicants filed suit against Eightfold AI in...more
In TransUnion v. Ramirez, the United States Supreme Court’s landmark Fair Credit Reporting Act (FCRA) decision, the Court ruled that in addition to the named plaintiff, the unnamed class members must also have Article III...more
On January 12, the California Department of Financial Protection and Innovation (DFPI) issued a second invitation for comments on potential regulations under the California Consumer Financial Protection Law (CCFPL) that would...more
In this episode of FCRA Focus, host Dave Gettings is joined by Troutman colleagues Cindy Hanson and Noah DiPasquale for a deep dive into reseller litigation under the Fair Credit Reporting Act. The trio breaks down what a...more
In this article, we share a timeline of monthly "bites" for 2025 applicable to the auto finance industry....more
According to a recent report by WebRecon, court filings under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Telephone Consumer Protection Act (TCPA), and complaints filed with the...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
On November 17, the FTC announced a final court order permanently banning a small-business financing company and its chief executive from offering business financing, debt relief, and credit repair services and imposing a...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
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