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CFPB adopts ‘Humility Pledge’ for examinations, says 2026 examination cycle is ‘fundamentally different’ from prior ones

By Orrick, Herrington & Sutcliffe LLP in CFPB

On November 21, the CFPB’s Supervision Division announced changes to its supervision examination process, introducing a new “Humility Pledge” to be read by examiners at the start of each exam. The Bureau…

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December 3, 2025 by Stefanie H Jackman in CFPB

CFPB to Shift Remaining Litigation to DOJ as Funding Lapse Looms

As reported by Law360 on November 20, the Consumer Financial Protection Bureau (CFPB or Bureau) will hand off its remaining enforcement lawsuits and other active litigation to the U.S. Department of Justice…

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December 2, 2025 by Joel Rosenthal in The Economy

Q3 2025 Credit Card Charge-Offs Show Signs of Stabilization at an Historically High Level

Credit card charge-offs increased only marginally this quarter, while delinquency rates—an early indicator of future charge-offs—declined slightly but with both remaining elevated. According to newly released Federal Reserve data, credit…

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December 1, 2025 by Missy Meggison in CFPB

insideARM Weekly Recap – Week of November 17, 2025

With so much in the ARM industry constantly in flux, taking a step back after a holiday week to get our bearings on what’s truly relevant on the news front…

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November 20, 2025 by Curtis Vincent in Compliance

Redefining Employee Development: Training Strategies That Elevate Compliance and Culture

Most firms have adopted a "check-the-box" compliance method, in which regulations change, workers click through recycled materials, and leadership monitors completion. The difficulty with this method is that we're assessing…

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November 19, 2025 by Anastasia V. Caton, Thomas P. Quinn, Jr. in Debt Collection

Massachusetts Division of Banks Revises Debt Collection and Servicing Regulation, Incorporating Reg F – With Some Tweaks

The Massachusetts Division of Banks ("DOB") has revised its regulation that governs the conduct of debt collectors, student loan servicers, and third-party loan servicers. The revised regulation became effective in…

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November 18, 2025 by Orrick, Herrington & Sutcliffe LLP in CFPB

CFPB’s Inspector General Downgrades Bureau’s Information Security Program, Issues New Recommendations in Annual Audit

On October 31, the Fed’s Office of Inspector General (OIG) released its annual Federal Information Security Modernization Act audit of the CFPB’s information security program, concluding the program’s maturity level declined from the prior…