Class-Action Accuses Collector of Making Call Day After Receiving Cease Request
- One phone call. That is all it can take to face a class-action lawsuit. A collection operation is facing claims it violated the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and state law in Florida because it placed a phone call to the plaintiff’s cell phone after the plaintiff sent a letter to the defendant requesting validation of the debt and asking the defendant not to contact the plaintiff until the validity of the debt was confirmed.
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California Appeals Court Says Font Size Error Enough for Rosenthal Act Standing
- A California Appeals Court has reversed a summary judgment ruling in favor of a defendant that was sued for violating the Rosenthal Fair Debt Collection Practices Act because of the font size of a disclosure in a letter that was sent to the plaintiff, ruling that standing, when seeking statutory damages, “arises from a debt collector’s violation of those statutes, not from the plaintiff’s suffering of actual injury.”
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CFPB Publishes Rulemaking Agenda
- For an agency that is supposedly not doing much, the regulatory agenda for the Consumer Financial Protection Bureau looks pretty full. The federal government released its long-awaited agenda of rulemaking and administrative actions, and the CFPB’s portion contains two dozen different rules in stages of development.
- More details here
Credit Card Debt Edges Higher, But Risk Metrics Cool
- Consumers added roughly $28 billion to credit card balances in the second quarter of 2025, pushing total outstanding card debt to about $1.32 trillion, according to data released yesterday by the Federal Reserve Bank of New York and Wallethub. That sits 2% below the all-time nominal record and 13% below the record after inflation. Early July readings show balances 0.4% higher year over year after inflation and at a new nominal July high without inflation adjustment.
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WORTH NOTING: How to artfully handle financial dealings when out with friends … An AI offering called Hello Patient has raised $22 million to help healthcare providers with patient engagement … Why you may want to stay away from artificial sweeteners … Members of Gen Alpha, who are between 11 and 14 years old, are “running the show” according to new research … More and more people are tuning out the news … A list of surprising things you can and can’t put in your dishwasher … If you’re having problems sleeping at night, cheese may be the culprit … Nearly half of the country has already started shopping for the holidays.
Trailer Tuesday, part I
Trailer Tuesday, part II
The Daily Digest is sponsored by TCN. Today, contact centers need to do more with less. TCN’s cloud-based predictive dialing tools and services help clients to leverage the most sophisticated inbound, outbound, and blended calling technologies available. TCN’s award-winning platform offers multiple features to assist in compliance while improving performance with no hardware, no monthly minimums, or maintenance fees. Call 866-745-1900 or visit tcn.com today.
