Balch’s Consumer Finance Compass: How Standing Can Make or Break Certification for Class Action Lawsuits in Debt Collection
2024 Credit Reporting Review: Impactful Changes and Future Forecast — FCRA Focus Podcast
2024 in Review: Major Debt Collection Trends and 2025 Outlook — The Consumer Finance Podcast
Navigating New York City's New Debt Collection Rules — The Consumer Finance Podcast
The CFPB Highlights Alleged Deceptive Debt Collection Practices
Podcast - The CFPB's Effort to Remove Medical Debt from Credit Reports
Navigating Hot Topics in Consumer Finance: Litigation Trends, Regulatory Changes, and Medical Debt Collection – The Consumer Finance Podcast
FTC and CFPB Focus on Medical, Rental Debt Collection Practices
Navigating FCRA and Debt Collection With Special Guest Bridgeforce's Michelle Macartney — FCRA Focus Podcast
Resolving FCRA Disputes With e-OSCAR: Insights from Joel Strickland — FCRA Focus Podcast
Year in Review and a Look Ahead: Navigating the Debt Collection Landscape — The Consumer Finance Podcast
Abuse Discovery Practices by the Government
State AG Pulse | Action By MN AG Ellison Could Ripple Through Debt Servicing Industry
CFPB Advisory Opinion on Time-barred Debt Collection - The Consumer Finance Podcast
Announcing Troutman Pepper's New Payments Pros Podcast! - The Consumer Finance Podcast
A Discussion with Nacha on Proposed Rulemaking Regarding Fraud - Payments Pros: The Payments Law Podcast
Unlawful Debt Collection Claims - RICO Report Podcast
Keeping Up With the Bureau Episode 4: Hot Topics in Collections: Fees, Reg F Landscape, and What’s Next - The Consumer Finance Podcast
Fair Lending 101 for Debt Collectors - The Consumer Finance Podcast
Credit Eco to Go Podcast: Competing for the Attention of the Consumer
The CFPB received about 22,900 complaints about private and federal student loans between July 1, 2024, and June 30, 2025, the highest level the Bureau has received in a one-year period, the CFPB’s Private Education Loan...more
On January 26, the U.S. District Court for the Western District of Washington granted a mortgage company’s motion to dismiss claims brought by two individual plaintiffs. The plaintiffs alleged violations of the FDCPA by...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), as well as complaints filed with...more
Last year’s enactment of the “One Big Beautiful Bill Act” (OBBBA) included significant changes to the federal student loan system. New borrowers will be impacted starting July 1, 2026, while current borrowers will see shifts...more
In mid-December New York joined a growing number of states that regulate coerced debt. The law, found in a new Article of the New York General Business Laws, will become effective on March 20th....more
On January 5, the U.S. District Court for the Middle District of Florida denied a motion for judgment on the pleadings filed by a state-affiliated student loan servicer in Missouri, holding that the agency was not entitled...more
In this article, we share a timeline of monthly "bites" for the past year applicable to student lending....more
Recently, the CFPB released its Semi-Annual Report to Congress, covering activities during the tenure of former CFPB Director Chopra from April 1 through September 30, 2024, unless otherwise noted. On complaints, the CFPB...more
On December 23, the Treasury issued an NPRM in the Federal Register titled “Debt Collection Authorities Under the Debt Collection Improvement Act of 1996” proposing to revise regulations governing the Treasury Offset Program...more
On December 23, 2025, the New York Attorney General (AG) announced a settlement with Monterey Finance (Monterey) of approximately $2.4 million in debt relief for 835 New York consumers and $175,000 in penalties. The AG...more
On December 19, the governor of New York signed into law an act to amend the general business law, establishing a right of action for claims arising out of coerced debts. ...more
New York City’s consumer regulator has long been part of the local compliance backdrop. It now deserves sustained, strategic attention. ...more
On December 30, 2025, the CFPB published its seventh biennial Credit CARD Act report. As required by the CARD Act, the report discusses the state of the credit card market through 2024, with a particular focus on credit card...more
On December 19, 2025, New York enacted the Fostering Affordability and Integrity through Reasonable Business Practices Act (the “FAIR Business Practices Act” or the “Act”), representing the most significant overhaul of the...more
Illinois is making important changes to the scope of the state’s Collection Agency Act and the reach of its collection agency licensing obligation. Recent amendments to the state’s collection agency licensing law that go into...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
In this month's article, we share some of our top "bites" covered during the December 2025 webinar....more
On December 19, New York Governor Kathy Hochul signed Senate Bill S1353A creating a new General Business Law article on “actions involving coerced debts.” The law is aimed squarely at survivors of domestic violence,...more
A recent Minnesota appellate court decision underscores how broadly courts—and regulators—can construe licensing statutes. Background - • In this case, a Utah company challenged a cease-and-desist order issued by the...more
Effective Jan. 1, 2026, Assembly Bill 692 (AB 692) will take effect as Section 16608 of the California Business and Professions Code. This new law will prohibit California employers from using “stay or pay” contracts that...more
California employers face a wide range of new compliance obligations beginning in 2026, along with several major regulatory shifts that already took effect in late 2025....more
As required by amendments to the FDCPA made by Section 1089 of Dodd Frank, the CFPB recently released its annual report to Congress on FDCPA compliance. We note below information provided by the bureau about the complaints...more
Enforcing foreign bank account reporting requirements through penalties has been an IRS priority for several years, spawning numerous precedent-setting cases throughout the courts. In the latest such case[1], a federal...more
Recently, the Minnesota Court of Appeals affirmed a cease-and-desist order against a Utah-based company for allegedly conducting unlicensed debt collection in Minnesota. The court held Minnesota’s collection agency statutes...more
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