As we move further into 2026, the regulatory landscape for debt resolution is undergoing a structural shift. While federal oversight remains a constant baseline, we are seeing a pivot toward localized enforcement and heightened scrutiny of third-party data exchanges.
The Federal Communications Commission (Federal Communications Commission) has released a Notice of Proposed Rulemaking (NPRM) outlining a series of actions aimed at offshore call centers, with a strong focus on improving customer service standards and reducing robocall scams that originate outside the United States.
The U.S. Department of the Treasury (Treasury) has delivered to Congress the report on Innovative Technologies to Counter Illicit Finance Involving Digital Assets, as required by the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act.
As we recently reported, in the wake of the Tenth Circuit’s decision in National Association of Industrial Bankers v. Weiser, 159 F.4th 694 (10th Cir. 2025), Oregon legislators re‑introduced H.B. 4116—legislation designed to opt Oregon out of Section 521 of the Depository Institutions Deregulation and Monetary Control Act of 1980 (DIDMCA). H.B. 4116 aims to prohibit out‑of‑state, FDIC‑insured, state-chartered banks from making consumer finance loans of $50,000 or less to Oregon borrowers using the banks’ home-state interest rates.
Following on the FDIC’s recent issuance of updated guidelines for appeals of material supervisory determination, the OCC is now proposing to replace the existing guidance for handling appeals of material supervisory determinations at institutions under its jurisdiction and to create a board to decide bank appeals. The deadline for comments on the proposal is April 20, 2026.
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