The Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, was enacted in 1991 “to protect the privacy interests of residential telephone subscribers,” according to the act’s legislative history. The TCPA provides for a “do-not-call list,” a registry that allows consumers to opt out of receiving unsolicited telemarketing calls. The primary purpose of the do-not-call list is to give individuals a way to limit the number of unwanted sales calls they receive. The TCPA provides consumers with a private right of action.
Welcome back to the second installment of our three-part series for Data Privacy Week 2025. We previously discussed the foundations of data privacy laws, and now we will focus on the current landscape of U.S. state privacy laws and consider important updates that companies should be aware of. Stay tuned for our third article later this week discussing our outlook for 2025.
Everywhere you look, people are talking about the rising delinquencies. Having been around the collection industry for a while, I anticipate the next step will be hiring additional vendors – whether it’s collection agencies, or collection attorneys or repossession forwarders or agents. Due diligence is time-consuming and can be draining – particularly when you spend efforts to evaluate a prospective vendor and then decide against that company. Bringing on a new vendor is a big investment in time and energy, as well as cost. It doesn’t feel productive to say no, I don’t necessarily think that is a good fit, particularly if you are in need to make a decision right away. It’s much easier to just believe the hype and move forward with the checklist.
Since the Detroit Lions are officially out of the Super Bowl hunt, my husband has made a bold move: deleting all his NFL apps. His mission? To escape the endless negativity from the talking heads until Training Camp kicks off. By then, he plans to reinstall them and dive back into the action. Until then, I’ve stepped up as his primary source for coaching updates and off-season news—a role I’ve embraced, especially with major moves like Ben Johnson heading to the Bears and Aaron Glenn to the Jets.
Today, the Consumer Financial Protection Bureau (CFPB) released two reports looking at national rental payment data from September 2021 to November 2024. The percentage of renters who paid late fees in the last year reached 23% in February 2023. While the rate declined to slightly less than 14% in November 2024, the CFPB’s analysis found that the median outstanding rental balance rose 60% between September 2021 and November 2024, suggesting increased financial distress among affected households.
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