The Office of the Comptroller of the Currency (OCC) today announced a decrease in assessment rates for the September 30, 2025, semiannual assessment. This is the fifth decrease in assessments since 2017 and will apply to all OCC-regulated institutions.
As digital transformation reshapes the collections landscape, lenders and agencies are relying on an expanding network of third-party vendors to support everything from borrower outreach to payment processing. But with this expansion comes increased exposure. When vendors touch sensitive data or handle consumer interactions, the originating institution is still accountable for what happens next.
The Federal Deposit Insurance Corporation (FDIC) today published a list of orders of administrative enforcement actions taken against banks and individuals in July 2025. There are no administrative hearings scheduled for September 2025.
The CFPB has filed a complaint against Synapse Financial Technologies Inc, alleging that the company engaged in unfair acts and practices in violation of the Section 1036(a)(1)(B) of the CFPA by failing to maintain sufficient records of the location of consumers’ funds, failing to ensure the records matched the records maintained by its partnering banks, and causing consumers to lose access to their funds.
Effective September 1, 2025, Texas Senate Bill 140 (SB 140) will enact several significant changes to the state’s telemarketing laws (Business and Commercial Code, Chapters 301-305 (TX Mini-TCPA)) that, collectively, increase the potential legal exposure for companies that use phone calls and text messages to market to customers and the public in Texas. These state level regulations add to the complexity of compliance, especially to the extent they deviate from the federal Telephone Consumer Protection Act (TCPA), so any companies that engage in calling or texting Texas residents, as well as companies that call or text from within Texas, should be aware of the new requirements.
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