To gain an advantage, creditors are organizing their data around three main themes: Speed, Quality, and Resilience. This evolution means moving away from just counting dollars and toward measuring the "health" of the pipeline. By monitoring these leading markers, lenders can spot "red flags" early.
Consumer litigation activity shifted again in March 2026, reversing several of the trends seen the previous month and continuing a broader rise in filings and complaints across multiple areas of consumer finance law.
According to the FTC’s Consumer Sentinel Network data, nearly 30% of consumers who reported losing money to scams in 2025 said the fraud began on social media. Reported losses tied to those scams reached approximately $2.1 billion, exceeding losses connected to any other form of contact.
HUD is signaling a narrower FHA enforcement posture that is focused on intentional discrimination and situations that involve “real people harmed by real discriminatory conduct,” as opposed to cases that are built solely on statistical disparities. Lenders currently offering, or planning to offer, SPCPs should move quickly to reassess those programs, re‑anchor eligibility on permissible eligibility criteria, and consider proactive adjustments as necessary.
For a long time, the relationship between lenders and debt settlement companies has worked on a "trust but verify" model. Compliance teams usually manage this by manually checking a small number of settled files to see if they follow internal rules. However, as the number of resolutions grows, this manual way of working is showing big gaps.
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