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Court Grants Partial Summary Judgment in FCRA Case Based on Statute of Limitations

In Fowler v. Preferred Collection & Mgmt. Servs., No. 8:21-cv-1038-WFJ-AAS (M.D. Fla. May 16, 2022), the court granted in part and denied in part the defendant’s motion for summary judgment as to claims asserted against it under Section 1681s-2(b) of the Fair Credit Reporting Act (FCRA). In doing so, the court weighed in on whether a consumer who lodged a dispute outside of the statute of limitations period can assert claims based on subsequent, similar disputes within the limitations period.

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Seven Steps to Get Calls Answered and Restore Trust in the Phone

The outbound calling channel is a critical point of interaction with consumers, but thanks to robocalls and spoofed calls, consumers don’t pick up the phone unless they know who’s calling. Find out how to boost call answer rates, increase operational efficiency, and restore confidence with consumers in seven easy steps with a new whitepaper from Neustar, a TransUnion company.


Give customers a reason to pick up the phone. Download the whitepaper now.
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insideARM is grateful to our 2022 Strategic Supporters:

NCB Crown Asset Management Spring Oaks Capital TransUnion Provana

CFPB States That it Did Not Scrap No-Action Letter and Compliance Assistance Sandbox Programs in Connection with its Overhaul of its Office of Innovation and Operation Catalyst

On May 25, 2022, my colleagues, Mike Gordon, John Culhane and Ron Vaske published a blog which reported on a press release issued by the CFPB on the prior day entitled “CFPB Launches New Effort to Promote Competition and Innovation in Consumer Finance.”  The blog stated:

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CFPB Critical of Deleting Tradelines

On May 2, 2022, the CFPB issued its Supervisory Highlights for spring 2022 (the “spring 2022 Report”), which highlights legal violations identified by the CFPB’s examinations between July 2021 and December 2021. The findings in the spring 2022 Report cover the areas of auto servicing, consumer reporting, credit card account management, debt collection, deposits, mortgage origination, prepaid accounts, remittances, and student loan servicing. The spring 2022 Report also summarizes recent developments in the CFPB’s supervision program and remedial actions.

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California DFPI Proposes Extensive Rules Relating to Companies’ Responses to Consumer Complaints

On May 20, California’s Department of Financial Protection and Innovation (DFPI or Department) announced that it had filed a Notice of Proposed Rulemaking with the Office of Administrative Law, inviting public comments on the proposed rulemaking. The purpose of the proposed regulations is to implement, interpret, clarify, and make specific, certain sections of the California Consumer Financial Protection Law (CCFPL) that impose requirements on covered companies to respond to consumer complaints and report information about those complaints and responses to the DFPI.

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Thriving in a Highly Regulated Environment

Medical debt collection has become a trending topic among state legislatures and federal regulators alike.  New legislation and regulations are systematically eroding asset value for healthcare providers. In the past year, we have seen California, Maryland, Nevada, and New Mexico enact new laws. Colorado and New York appear to be on the path to do so as well. To add insult to injury, the Consumer Financial Protection Bureau (CFPB) continues to aggressively focus on medical debt as well.

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Executive Q&A: A Conversation with Steve Akers, CSO/CTO of TECH LOCK Inc.

PCI DSS 4.0 will replace the current operating version on March 31, 2024, and while most of the changes are a simple codification of best practices, it’s important for organizations to have important conversations about those changes internally and with their service providers now.

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The Vendor Management Masterclass Part II

15 June 2022 at 02:00 p.m.

Customer behavior and spending is changing. 

The CFPB is hyper-interested in data collection, use, and privacy. 

We're likely on the edge of a credit downturn, which will result in higher delinquency and charge off rates.

New (and old!) agency partners and technology companies are promising to solve your problems. How can you be sure your vendors are compliant, efficient, and that you’re getting what you paid for?

Event Details »