PYMNTS Intelligence recently reported that 66% of U.S. consumers are still living paycheck-to-paycheck—a slight dip from prior months, but with a more worrying shift behind the numbers:42% now say they live this way because they have no other choice, an 18% increase since August.
Consumers aren’t just stretched—they’re sliding further into a financial reality where even small purchases require financing, and that shift carries big implications for delinquency, payment behavior, and the work collectors do every day.
Today the Office of the Comptroller of the Currency (OCC) released a request for information (RFI) on community banks’ engagement with their core service providers and other essential third-party service providers.
The CFPB is transferring all of its pending litigation to the Justice Department as a result of the funding crisis the Trump Administration has said the bureau faces, several news organizations have reported.
On November 21, the Consumer Financial Protection Bureau (CFPB or Bureau) notified staff that it will restart supervision and require examiners, beginning with the 2026 examination cycle, to open each review by reading to the supervised entity a Humility in Supervisions Pledge. The pledge signals a notable shift in tone and execution that is in line with the CFPB’s Memorandum on Supervision and Enforcement Priorities from April 2025.
Washington’s CEMA mini-TCPA has been drawing a lot of attention lately–especially as Courts around the country struggle with whether the TCPA’s DNC provisions apply to SMS messages.
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