Topic
Credit Reporting
466 published works
Consumer Finance Monitor
Podcast Release: The Future of Consumer Reporting with CDIA President Dan Smith
The consumer reporting system is undergoing rapid change, raising important questions for financial institutions, consumer reporting agencies, data furnishers, and consumers. In this week’s episode of the Consumer Finance Monitor…
New Jersey Foreclosure Defense Blog
Mortgage Credit-Reporting Errors During a New Jersey Foreclosure: How to Build a Documented Dispute
By John Fazzio
Illustration: Compare the reported account information with the underlying mortgage records before preparing a dispute. Short answer: If a mortgage account is reported inaccurately, a New Jersey homeowner can dispute…
Consumer Finance Monitor
Washington, D.C. bans medical debt from credit reports
Legislation that prohibits a health care provider or debt collector from reporting medical debt to credit reporting agencies has become law in Washington, D.C. The legislation became law without the…
Consumer Financial Services Law Monitor
Point-of-Sale Finance Series: Litigation Trends — FCRA, TILA, and the Checkout Script as Your First Line of Defense
By Jason Cover, Erin Edwards, Simon Fleischmann
In this episode of the "Point-of-Sale Finance" series, Jason Cover is joined by colleagues Erin Edwards and Simon Fleischmann from Troutman Pepper Locke's Consumer Financial Services practice to shift the…
Consumer Financial Services Law Monitor
From Texas to the Tenth Circuit: Another ID Theft Case Confirms That Credit Reporting Law Is Reshaping
By David M. Gettings, Brooke Conkle, Ethan G. Ostroff
In this episode of FCRA Focus, host Dave Gettings is joined by Partners Brooke Conkle and Ethan Ostroff to break down the Tenth Circuit's landmark decision in Ward v. National…
The Bankruptcy Soap Box
Which Debt Collector Threats Should You Be Afraid Of?
By Cathy Moran
Threats are the tools of the trade of debt collectors. Why not? Fear is effective to get people to do stupid things. That’s why debt collectors use it. Pay up or……
Consumer Financial Services Law Monitor
Tenth Circuit Adopts “Objectively and Readily Verifiable” Standard for FCRA Furnisher Inaccuracy Claims and Reverses $500,000 Jury Verdict
By David N. Anthony, Brooke Conkle, David M. Gettings, Ethan G. Ostroff
On July 20, the U.S. Court of Appeals for the Tenth Circuit reversed a $500,000 jury verdict against a debt collection furnisher, holding that a consumer cannot prevail on a…
Consumer Financial Services Law Monitor
The California Split: How Two Courts Are Changing FCRA Litigation on the West Coast
By David M. Gettings, Elizabeth Andrews
In this episode of FCRA Focus, host Dave Gettings is joined by Elizabeth Holt Andrews to break down a significant new development in California standing law — a recent split…
California Employment Law Update
“Concrete Injury” Is Not Required To Establish FCRA Violation
By Tony Oncidi
Askins v. CRST Expedited, Inc., 120 Cal. App. 5th 1190 (2026) Terry Askins applied online for a position with CRST, a trucking company. During the application process, CRST provided Askins with…
Consumer Financial Services Law Monitor
CDIA and Metro 2 Approve New Special Comment Code for Debt Settlement
By David N. Anthony, Stefanie Jackman, Ethan G. Ostroff
The Consumer Data Industry Association (CDIA) and the Metro 2 Task Force announced that they have approved a new Special Comment Code, DS — Debt Settlement, in response to industry…