Judge: Collector Must Do More Than Say a Letter Was Mailed
- The mailbox rule asserts that as long as a collector says a letter was mailed to a consumer, then a judge can assume that the letter was received by the consumer. But how do you prove a letter was mailed? A District Court judge in Kentucky has raised that very question, and in doing so, denied a defendant’s motion for summary judgment in a Fair Debt Collection Practices Act case that claims the defendant never sent a letter to the consumer that, among other things, advised him of his right to dispute the debt and seek verification. The judge did grant the defendant’s motion on several other claims, however.
- More details here
Democrats Press DOJ for Answers on CFPB Case Transfers Amid Fears of Backdoor Shutdown
- Two top House Democrats are demanding clarity from Attorney General Pam Bondi after reports surfaced that the Consumer Financial Protection Bureau is transferring all of its active enforcement litigation to the Department of Justice; a move they warn could effectively dismantle the agency while ongoing court orders remain in place.
- More details here
Court Applies Recent Third Circuit Guidance to Dismiss Pro Se FCRA Dispute Investigation Case
- Invoking recent caselaw from the Court of Appeals for the Third Circuit, a District Court judge in New Jersey has granted a defendant’s motion to dismiss claims it violated the Fair Credit Reporting Act for not conducting a reasonable investigation after being notified by the plaintiff of alleged inaccuracies on her credit report. The ruling reinforces a growing line of cases across the circuit that require consumers to plead more than generalized complaints about “inaccurate” information to proceed under the FCRA.
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HFMA Survey: 80% of Health Systems Now Deploying GenAI in the Revenue Cycle
- A new national survey conducted through HFMA’s Pulse Survey program reveals rapid movement among hospitals and health systems toward generative AI solutions in the revenue cycle, with 80% now exploring, piloting, or implementing GenAI tools, up from 58% in 2023, representing 38% growth in under two years.
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Compliance Digest – December 22
- Insights from 10 different leading compliance experts on case law and other compliance developments that you need to read to stay informed and make informed decisions. Thanks to Lori Quinn, Chad Echols, Joann Needleman, Jason Tompkins, Chuck Dodge, Brooke Conkle, Michael Poncin, Lauren Burnette, Xerxes Martin, and James K. Schultz for sharing their insights.
- More details here
- This series is sponsored by Bedard Law Group
WORTH NOTING: The governor of New York has signed a coerced debt bill into law … A lot of consumers are willing to pay more for things in order to avoid negotiating … Hospitals and healthcare systems are likely to face more financial pressures in 2026 … A Harvard professor on how hospitals make medical debt a bigger problem … One man’s quest to use cash to help him save money … AI photos are challenging individuals looking to buy new houses … Consumers are heading into the holidays feeling a lot worse about the state of the economy than they did at this time last year … A look at what food safety experts won’t order when dining out.
Music Monday, part I
Music Monday, part II
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