Suit Accuses Creditor of Using AI to Allegedly Violate TCPA, FDCPA
- This case is interesting because it’s one of the first ones that I have seen the invokes the use of artificial intelligence as a potential violation of the Telephone Consumer Protection Act. A creditor is facing claims it violated the Fair Debt Collection Practices Act and the TCPA because it made phone calls, and sent letters, text messages, and emails to a consumer whose attorney had allegedly notified the creditor that the consumer was represented and that the consumer wished the creditor would cease communications.
- More details here
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Judge Dismisses FCRA, FDCPA Claims Rooted in Sovereign Citizen Arguments
- In what has all the markings of a sovereign citizen case, a District Court judge in Idaho has dismissed claims that a creditor violated the Fair Credit Reporting Act and Fair Debt Collection Practices Act after the plaintiff financed the purchase of an $85,000 vehicle.
- More details here
Winter Heating Bills Set to Rise as Utility Delinquencies Climb
- Industry forecasts show households facing an average $976 in home heating costs this winter, up 7.6% from last year, according to estimates cited in recent analyses. This follows elevated summer cooling expenses and contributes to mounting pressure on consumer budgets heading into 2026.
- More details here
Congressional Democrats Urge Trump Administration to Not Sell Student Loans
- A new political flashpoint has emerged around the future of the federal student loan system, and it could have major implications for lenders, servicers, and anyone collecting on student debt. Sen. Elizabeth Warren and more than 40 lawmakers are urging the Trump administration to stop reported plans to sell portions of the federal government’s $1.6 trillion student loan portfolio to private companies. The letter, addressed to Education Secretary Linda McMahon and Treasury Secretary Scott Bessent, accuses the administration of exploring an illegal and harmful shift of federal loans into the private market.
- More details here
WORTH NOTING: Nearly the majority of Generation Z prefer to get financial advice in person and they strongly value authenticity … Drinking orange juice everyday might do more than just give you a healthy dose of vitamin C … More than half of the homes across the country lost value in the past year, according to new data … If you are feeling scatterbrained, here are five ways to help focus your attention … Another study looking at how often apps like ChatGPT hallucinate … A key ingredient for happiness that most leaders ignore … Should employees be expected to be available 24/7? … Now that the penny has been discontinued, is the clock ticking for the nickel?
Trailer Tuesday, part I
Trailer Tuesday, part II
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