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.
The Office of the Comptroller of the Currency (OCC) today announced two final rules to reduce the regulatory burden for community banks.
These actions build upon the OCC’s ongoing efforts to tailor bank supervision and regulation to bank risk profile and reduce burden for its regulated institutions so they can focus resources on core functions and support economic growth.
In Bradford v. Sovereign Pest Control of Texas, Inc., the U.S. Court of Appeals for the Fifth Circuit held that the Telephone Consumer Protection Act (TCPA) does not require “prior express written consent” for telemarketing calls that use artificial or pre-recorded voice messages. Instead, the court concluded that the TCPA requires only “prior express consent,” which may be provided orally or in writing.
The Office of the Comptroller of the Currency (OCC) today released its schedule of Community Reinvestment Act (CRA) evaluations to be conducted in the second and third quarters of 2026.
Tax season isn't a surprise—it’s the most predictable liquidity event on the calendar. For lenders and servicers, the arrival of household refunds in Q1 2026 creates an immediate, high-velocity window for portfolio resolution. But knowing the capital is there is only half the battle. The real challenge is capturing it before it’s diverted to other household expenses.
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