Suit Accuses Collector of Sending Letter to Plaintiff’s Brother
- Third-party disclosures are at or near the top of the worry list for just about every collection operation. Just sending a letter or email or text message to someone other than the intended recipient is not enough to trigger a third-party disclosure violation of the Fair Debt Collection Practices Act. The intended recipient needs to find out that a communication was made to someone else in order for their to be a violation. A collection operation is facing a lawsuit in Virginia over claims that it violated the FDCPA because it sent a Model Validation Notice to someone other than the plaintiff and the plaintiff found out.
- More details here
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CFPB FDCPA Report Offers Insights Into Complaint Trends
- One of the most attention-getting insights from the CFPB’s 2025 FDCPA Annual Report is that collectors, in some cases, continued placing more than 100 calls after a consumer asked them to stop. While still infrequent across the industry, this type of finding is the kind of example regulators highlight to help organizations refine policies and strengthen compliance controls. The Bureau’s analysis shows how consumer expectations are evolving and where the industry has the greatest chances to improve communication, timing, and documentation practices.
- More details here
Judge Dismisses FDCPA Claim Over Repossession Threats
- A District Court judge in Pennsylvania has granted a credit union’s motion to dismiss claims it violated the Fair Debt Collection Practices Act because it threatened to repossess a vehicle after the plaintiff stopped making payments.
- More details here
Judge Denies MTD in FCRA Case Over Allegedly Misleading Background Check
- A District Court judge in Maryland has denied a defendant’s motion to dismiss claims it violated the Fair Credit Reporting Act over information that was included in a background check that led to a delay in the plaintiff being hired for a new job.
- More details here
States Question BNPL Lenders as Missed Payments Rise and Federal Protections Recede
- A coalition of seven state attorneys general has opened a coordinated inquiry into the nation’s largest buy-now-pay-later (BNPL) providers, seeking detailed information to determine whether their products are placing consumers at financial risk or violating state consumer protection laws. Letters were sent to Affirm, Afterpay, Klarna, PayPal, Sezzle, and Zip.
- More details here
WORTH NOTING: Signs you are being sold a debt relief scam … Redefining digital transformation in regulated industries like debt collection … The most important factor in people’s next career step? Health insurance … There are still chances to take advantage of Cyber Monday sales … The word of the year for 2025 is actually two words … Not having a Real ID is going to start costing you at airports … Homebuyers are taking advantage of sellers dropping their asking prices … How meetings can harm employee well-being.
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.
