We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky’s discussion with Marisa Calderon, President and CEO of Prosperity Now, about two high-profile policy proposals raised or embraced by President Trump as part of a broader populist affordability agenda:
The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in December 2025.
The New York City Department of Consumer and Worker Protection (DCWP) has adopted amendments to its debt collection rules, clarifying their intent and scope while making several substantive adjustments.
According to the DCWP, the overall goal of the rules is to significantly expand record retention and reporting requirements for collection agencies, revise validation and verification procedures, and enhance consumer protections. The rules also require debt collectors to inform consumers about available language access services.
The New York Department of Financial Services has published proposed rules governing Buy Now, Pay Later (BNPL) financing plans operating in the state.
The proposal, among other things, would require BNPL providers to register with the state. The regulations implement a law signed by Governor Kathy Hochul as part of her FY26 budget plan.
Quick analysis: 2026 Kicks off with mixed results
January 2026 numbers are in, and it shows TCPA (-1.4%) and FDCPA (-13.5%) numbers down from the previous month, while FCRA (+11.1%) litigation was up, along with CFPB complaints (+2.1%). All four categories are up significantly from Jan 2025 however. Year-over-year, TCPA (+5.8%), FDCPA (+26.5%), FCRA (+47.5%) and CFPB complaints (+26%) all started with a bang this year.
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