Data breaches continue to be a major problem for corporations and organizations in 2025, and the U.S. Department of Justice, Criminal Division, has recently brought enforcement actions for hacking, ransomware, and other cybercrimes. See U.S. Dept. of Justice, Former U.S. Soldier Pleads Guilty to Hacking and Extortion Scheme Involving Telecommunications Companies, July 13, 2025, https://www.justice.gov/opa/pr/former-us-soldier-pleads-guilty-hacking-and-extortion-scheme-involving-telecommunications.
On September 9, 2025, the Court of Appeal of the State of California upheld California Attorney General (AG) Rob Bonta’s trial-court victory against a business and its owner for violations of California’s unfair competition law (UCL) based on allegations of the illegal sale of credit insurance, which largely targeted the business’s Latino immigrant customer base.
TCPA, FDCPA way up over last month, FCRA down a bit.
September 2025 saw TCPA and FDCPA litigation spike by double digits (+23.7& and +22.6% respectively) while FCRA litigation ticked down a bit (-4.7%).
Year-to-date, FDCPA is closing the gap and trending to possibly surpass last year’s number. Over the last six months, FDCPA has been hovering in the range of -9% down to -5% down over 2024. In September, that gap dropped to 1.7%. TCPA and FCRA will have no problem significantly surpassing their 2024 totals, with them ahead by +57.9% and +30.7% respectively.
Lenders are refining how they score enrolled accounts—not to rush them into courtrooms, but to determine whether litigation is a last resort or a misapplied strategy.
Today’s podcast features the second part of a repurposed webinar produced on September 3, 2025, which dives into the legal risks, compliance challenges, and emerging constitutional questions stemming from the GENIUS Act. The conversation examines the strict prohibition of deceptive claims regarding federal backing or insurance for stablecoins, highlighting the significant civil liabilities and penalty provisions attached to violations.
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