Collector Facing Class-Action Over Allegedly Missing License Number, Disclosures in Text
- One text message. That’s the entire basis of a class action now pending in California federal court, but the plaintiff says what that single message left out is enough to put an entire collection operation on the hook under both the FDCPA and the Rosenthal Act. And the jurisdiction where it landed has seen this exact playbook run before.
- More details here
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Judge Denies MSJ in FCRA Case Over Issues with Declaration
- A furnisher thought it had summary judgment locked up, right until its own compliance manager couldn’t confirm at deposition whether the sworn declaration describing the investigation was even true. Two nearly identical loans three years apart, a mother’s confession, and a hastily withdrawn declaration left a Minnesota judge with far too many unanswered questions to let the lender walk.
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Judge Denies Motions to Dismiss FDCPA, Bankruptcy Stay Claims
- A student a few credits shy of her master’s says a university locked her out of her own transcripts to pressure her into paying, kept piling on fees while she was in bankruptcy, and then quietly discontinued the very program she’d been fighting to finish. A federal judge just let nearly all fifteen of her counts move forward, in a ruling any collector leaning on withheld records should read closely.
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Free Software for Collections, Built by the Industry, Answering to No One
- A new nonprofit wants to hand the entire ARM industry a production-grade collections platform, free to download, run, and modify, with no vendor, no license fee, and nobody’s sponsor dollars steering it. The founders bolted on eleven governance policies to keep it that way. The open question is whether a famously skeptical industry will actually show up to build it.
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Doxo to Pay $2.1M to Settle FTC Deceptive Bill-Pay Charges
- The FTC says Doxo bought search ads to pose as the very billers consumers were hunting for, then quietly stacked fees onto their payments and slid them into a subscription many never noticed. Now the bill-pay company and two co-founders are paying to put it behind them, and agreeing to a long list of things they can never do again.
- More details here
Minnesota AG Secures Up to $1.4M in Medical-Debt Relief From Rural Hospital
- A rural Minnesota hospital reached for the wrong benchmark when discounting bills for uninsured patients, and the AG alleges it kept using an outdated formula even after the law changed underneath it. The fallout: thousands of patients potentially overcharged and a settlement that could return as much as $1.4 million. How the miscalculation happened is a cautionary tale for anyone billing under state discount rules.
- More details here
Washington AG Releases First Data Privacy Report
- Washington’s first-ever privacy report opens with a jarring statistic: for the second straight year, the state logged more breach notices than it has residents. The AG is pushing lawmakers to act, and buried in his recommendations is a proposal that should get the attention of anyone operating in the data-broker or information-services orbit.
- More details here
Rezolv Raises $12.5M to Automate Debt Collection With AI
- A two-year-old startup founded by former digital-lending executives just pulled in $12.5 million to push AI further into collections, already running millions of borrower conversations a month across 12 million loan accounts. Its co-founder argues the real contest in AI has already moved on, and it’s no longer the fight most lenders think they’re having.
- More details here
WORTH NOTING: Members of Gen Z see sports betting as a better way to save for retirement than investing … How companies try to sneak shrinkflation by consumers … Why more people are breaking up with white bed sheets and going with new colors, textures, and patterns … Why car buyers should focus less on the monthly payment and more on the total loan cost … If you need more proof just how valuable data is these days, look no further … What happens when you ask ChatGPT, Claude, and Perplexity for financial advice … How people are defining cheating in a relationship in 2026 … Tips for helping to manage your kid’s screen time.
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.
