Use of Mini-Miranda Made Bank Collector, Suit Alleges
- A consumer is accusing a bank of violating the Rosenthal Fair Debt Collection Practices Act and the Telephone Consumer Protection Act while also attempting to hold the bank liable for the actions of the collection law firm that it assigned the account to, because the bank included the mini-Miranda in emails and letters that were sent to the consumer and for leaving voicemail messages after the consumer sent the bank a refusal to pay letter.
- More details here
- This series is sponsored by WebRecon
States Pivoting From Credit Reporting in Fight Against Medical Debt
- Medical debt reform has become a statehouse priority in 2025 after a federal court struck down a Biden-era CFPB rule that would have eliminated medical debt from credit reports. With federal action sidelined, states are stepping in, creating a patchwork of rules that collection operations must now navigate, according to a recently published report.
- More details here
Court Says Landlord May Qualify as Collector Under False-Name Exception
- A District Court judge in Pennsylvania has denied a defendant’s motion to dismiss a Fair Debt Collection Practices Act case against the owner of an apartment building, ruling, at this stage of the proceedings, that the FDCPA’s false-name exception applies and the owner “is properly considered” a collector under the FDCPA, while also ruling the owner of the company should remain a defendant, as well.
- More details here
Bank Not Entitled to Attorney Fees in Credit Reporting Dispute
- A District Court judge in Kentucky has denied an objection from a bank on its motion for attorney’s fees in a Fair Credit Reporting Act case over how it reported an account to the credit bureaus after the plaintiffs dismissed the bank from their suit.
- More details here
WORTH NOTING: Not content with just getting rid of the CFPB, Russell Vought also wants to do away with the Government Accountability Office … Small businesses are scaling back on hiring at a pace not seen in five years … A map of all the galaxies in the “Star Wars” universe … So I guess I have to start taking LSD now? … A $1 million yacht lasted 15 minutes before tipping over. Money well spent … The Social Security Administration is going to stop sending paper checks at the end of this month … Being a leader today means needing to be more skilled than ever before … How to go from quiet to commanding.
Funny Friday, part I
Funny Friday, part II
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