Not all online agreements are created equal, especially when it comes to enforceable arbitration clauses. In Valiente v. NexGen Global, LLC, 2025 WL 3140480 (11th Cir. Nov. 10, 2025), the Eleventh Circuit upheld the district court’s decision to decline enforcement of an arbitration clause contained within NexGen’s website terms and conditions, leaving it open to a potentially costly Telephone Consumer Protection Act (TCPA) and Florida Telephone Solicitation Act (FTSA) class action in federal court.
A strong audit program is like a finely tuned engine. It may be running smoothly today, but without a regular checkup, hidden issues can go unnoticed — and small inefficiencies can grow into bigger risks. That’s why an annual review of your audit program isn’t just a good idea; it’s essential. It ensures compliance, mitigates risk, and keeps your third-party collection vendors performing as expected.
North Carolina continues to make significant progress in addressing medical debt. On November 5, Governor Josh Stein hosted a roundtable discussion in Greensboro to highlight the success of the North Carolina Medical Debt Relief Program and to encourage national credit reporting agencies to strengthen their consumer protection practices.
oday, the Consumer Financial Protection Bureau (CFPB) filed a notice informing the court in NTEU v. Vought that the Department of Justice’s Office of Legal Counsel (OLC) has determined that the Bureau may not legally request funds at this time from the Federal Reserve under Dodd-Frank.
The FDIC has announced that its Consumer Compliance Examination Manual has been revised to reflect an updated examination schedule for financial institutions. As a result, agency consumer compliance examinations and Community Reinvestment Act (CRA) evaluations will occur less frequently for most institutions, according to the FDIC.
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