On November 13, the CFPB published a proposed rule in the Federal Register to amend Regulation B, which implements the ECOA. If adopted, the proposal would make three principal changes to Regulation B: (i) eliminating regulatory provisions that have lent support to the position that ECOA authorizes disparate-impact liability (and thus limiting liability to intentional discrimination); (ii) narrowing the regulation’s description of what would constitute “discouragement” for purposes of ECOA; and (iii) changing the requirements applicable to for-profit entities that wish to offer “special purpose credit programs” (SPCPs).
In an unpublished decision, the Ninth Circuit affirmed summary judgment in favor of a debt collector defendant, finding that the bona fide error defense applied to the debt collector’s efforts to collect a debt that may have been overstated.
Effective October 29, 2025, the CFPB finalized its rule, published at 90 Fed. Reg. 48737-60, rescinding certain amendments to the rules made on February 22, 2022 (prior blog) and on March 29, 2023 (prior blog) (collectively, the 2022 and 2023 amendments).
As collection teams face tighter staffing and increasingly complex borrower situations, optimizing how accounts are managed has become a strategic priority. Recovery today isn't just about maximizing call attempts—it's about deploying skilled agents where they add the most value.
On November 5, 2025, a national debt collection trade group and one of its members filed a lawsuit against the state of Colorado’s in an attempt to block its 2023 medical debt credit reporting law, HB 23-1126. The complaint alleges that the law, which bars adverse medical debt information from consumer credit reports and restricts related collection communications, is preempted by the Fair Credit Reporting Act and violates the First Amendment.
.jpg)
.jpg)