Collections news at your fingertips

An investigation by the U.S. House of Representatives Committee on the Judiciary and the Select Subcommittee on the Weaponization of the Federal Government has concluded in a report that following the events of January 6, 2021, financial institutions, including Office of the Comptroller of the Currency (OCC)-regulated financial institutions (banks), coordinated with federal law enforcement to surveil and share the private financial information of persons engaged in transactions commonly associated with certain political affiliations—specifically targeting individuals associated with conservatism and the political right.¹ The authors of the report note that the conclusions of the investigation raise serious concerns and doubts about financial institutions’ commitment to respecting Americans’ privacy rights and fundamental civil liberties.

The National Credit Union Administration today released its second quarter credit union system performance data for 2025. According to the latest financial performance data report, total assets in federally insured credit unions rose by $82 billion, or 3.6 percent, over the year ending in the second quarter of 2025, to $2.38 trillion. Total loans outstanding increased $64 billion, or 3.9 percent, over the year, to $1.68 trillion. Insured shares and deposits rose $71 billion, or 4.0 percent, over the year ending in the second quarter of 2025, to $1.83 trillion.

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 June 2025.

Today the Federal Trade Commission took steps to dismiss its appeals in Ryan, LLC v. FTC, No. 24-10951 (5th Cir.), and Properties of the Villages v. FTC, No. 24-13102 (11th Cir.), and to accede to the vacatur of the Non-Compete Clause Rule.

Digital communication has become foundational to modern collections strategy. But with increased access to borrowers via SMS, email, push notifications, and web portals comes a new challenge: knowing when to pause.

Outreach that’s too infrequent risks missed opportunities. Outreach that’s too persistent risks opt-outs, complaints, and regulatory scrutiny. The line between meaningful engagement and digital noise is thin—and it moves quickly.