In one of its final decisions in 2025, the U.S. Supreme Court curtailed the authority of the Federal Communications Commission (FCC) in interpreting the Telephone Consumer Protection Act (TCPA), signaling a broader recalibration of agency deference in federal courts. Most notably, in McLaughlin v. McKesson, the Court held that district courts are not bound to follow FCC interpretations of the TCPA when adjudicating enforcement actions. This ruling effectively overturns prior assumptions that administrative orders—such as the FCC's "Amerifactors" order declaring online fax services exempt from the TCPA—must be followed without question. The Court emphasized that judges have an independent obligation to interpret statutes, and FCC rulings are to be given persuasive, but not binding, weight.
If you’ve worked in collections for any length of time, you know this: nothing stays the same for long. Cloud infrastructure and collection systems evolve. Cybersecurity threats shift constantly. Regulations update, new oversight rolls in, and client expectations climb higher every year. And consumer behavior? Always adapting—faster than ever.
The Federal Trade Commission (FTC) is issuing more than $3.5 million in refunds to consumers affected by a deceptive credit-repair scheme known as The Credit Game. The refunds stem from a 2022 enforcement action against the operation’s founders, Michael and Valerie Rando, and their affiliated companies.
May ’25 Mostly Up Again
After an across the board decline in April, most of May’s numbers are back up. Only TCPA (-15.3%) suits fell last month while FDCPA (+15.5%) and FCRA (+10.1%) suits were up.
Senate Banking, Housing and Urban Affairs (Banking Committee) Republicans have received the Senate Parliamentarian’s approval to cut the CFPB’s funding. As a result, in the large budget reconciliation bill now being written in the Senate the amount will drop from a maximum of 12% of the Federal Reserve’s inflation adjusted profits in 2009 to 6.5% of those profits.
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