NYC to Hold Hearing on Debt Collection Rule, Announces Penalty Schedule
- The New York City Department of Consumer and Worker Protection has proposed amendments to its debt collection penalty schedule to align with recently adopted rules, and will hold a public hearing on June 1, with written comments due the same day. The proposed changes are intended to incorporate new and modified requirements that will take effect on September 1.
- More details here
When ‘Inaccuracy’ Isn’t So Simple: Court Rejects FCRA Claims Over Fraud Dispute
- A District Court judge in Virginia has dismissed Fair Credit Reporting Act claims against a lender, finding that a borrower’s dispute over a vehicle loan tied to an undelivered car raised legal questions that fall outside the scope of what the FCRA is designed to address.The decision centers on a relatively unusual fact pattern. The plaintiff entered into a financing agreement for the purchase of a vehicle that was never delivered, after the lender sent more than $54,000 to what allegedly turned out to be a fraudulent seller. Despite reporting the suspected fraud and never receiving the vehicle, the plaintiff was told he remained responsible for repaying the loan.
- More details here
Judge Sends FDCPA Case Back to State Court, Awards Fees Over Improper Removal
- A District Court judge in Wisconsin has delivered a pointed reminder that removing an Fair Debt Collection Practices Act case to federal court can backfire when standing is not clearly established by not only granting a plaintiff’s motion to remand her case back to state court, but also ordering the defendant to pay attorneys’ fees and costs, finding that the removal lacked an objectively reasonable basis.
- More details here
FCC Advances KYC Rulemaking as Broader Robocall Enforcement Strategy Takes Shape
- The Federal Communications Commission has unanimously advanced a proposal that would significantly reshape how voice service providers vet customers, signaling a shift toward mandatory identity verification and stricter enforcement tied directly to call volume. The Further Notice of Proposed Rulemaking, approved last week, asks whether providers should be required to verify customer identities using government-issued IDs and other data before enabling service, while also exploring penalties based on the number of illegal calls placed.
- More details here
Announcing the ARMTech Coding Contest Winners
- A long time ago, in a galaxy far, far away (IYKYK), I launched a coding contest, seeking to tap into the new tools that are out there that can turn anyone, including fuzzballs like me, into programmers and software developers. I was supposed to announce the winners at ARMTech, but things got away from me and it didn’t happen. As time wore on, the timeliness of announcing the winners became less and less important and I have kept people waiting long enough. To those of you who submitted entries, I can’t thank you enough. I think this was a really neat idea and I am grateful that you saw it, too. I hope to replicate this again for ARMTech 2027 and I vow to do a better job of announcing the winners in less time than it takes someone to do the Kessel Run.
- More details here
Compliance Digest – May 4
- Check out this week’s Compliance Digest, featuring Chuck Dodge highlighting the growing effectiveness of standing challenges, while Stephanie Strickler emphasized courts holding pro se litigants accountable for procedural rules and misuse of AI in an FCRA dismissal. David Grassi broke down the CFPB’s elimination of disparate impact under ECOA, Kim Phan analyzed federal data privacy legislation, and Xerxes Martin noted the importance of proving inaccuracy in FCRA claims. Additional insights came from Brit Suttell on jurisdiction risks in cross-state garnishments, Jessica Klander on standing tied to actual payment in FDCPA cases, Leslie Bender on state AG opposition to CFPB changes, and John Culhane on new medical debt legislation advancing in D.C.
- More details here
- This series is sponsored by Frost Echols
WORTH NOTING: A majority of doctors say practicing medicine isn’t worth it … A Costco superfan shares hack to get the most out of your membership … RIP Jeeves, one of the first Internet search engines … A lot of people believe the country has an obsession problem … Gift ideas for Mother’s Day … A pre-workout habit that might help boost your endurance by as much as 20% … Gas prices keep climbing and are at their highest point since the war in Iran started … How to not get crushed by the wave of AI taking entry-level jobs.
Music Monday, part I
Music Monday, part II
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