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CONSUMER LENDING, COMPLIANCE, AND
CREDIT RISK & REPORTING NEWS

What Recent FCRA Activity Reveals About the State of Consumer Credit Reporting

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The Top Headlines This Week: MARCH 2, 2026

January Consumer Litigation Filings: 2026 Starts Out with a Bang

Supreme Court Lets $134 Million CashCall Judgment Stand – Tribal Lending Shield Fails Again

Banking Regulators Report Progress on Right-Sizing Regulation

ABA Urges CFPB to Improve Complaint Intake Form, Combat Frivolous Complaints

District Court Dismisses All Claims in Credit Union Settlement Disagreement Over Tradelines

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ICYMI

Key End‑of‑Year Regulatory Actions

As 2025 wrapped up, here are notable actions from U.S. financial regulators:

Discuss on LinkedIn These actions reflect a dynamic regulatory environment. Did we miss any noteworthy events? Please share them with us on LinkedIn!

Recent INDUSTRY News

FTC Consumer Protection Chief Tees Up Financial Privacy Cases
With CFPB Wakened, States Are Fighting to Regain the Data and Support They Need to Protect Consumers
Simpson Answers the ‘Why?’ for GAC 2026
Fed Ends Regulatory Action Against Wells Fargo Over Fake Accounts
NCUA Issues Voluntary EGRPRA Review; Continues Deregulation Project
Capital One Cuts More Than 1,100 Discover Employees
Former Truist Exec Now Leads US Information Solutions at Equifax
Another Credit Crash Coming? This Stress Indicator Is Hitting Financial Crisis Levels
Data Shows Credit Unions Continue to Serve People Banks Leave Behind
Why Collection Agencies are Getting Sued – And How to Stop It
New York City Finalizes Expanded Debt Collection Rules Covering Original Creditors and Third-Party Collectors
NCUA on Deregulation Project: Help us by Engaging in Comment Process
D.C. Circuit Weighs Executive Authority in CFPB Union Case
Reform the CFPB by Making it America’s Scam Response Hub
New Law Protects Homebuyers’ Privacy
Credit Union Voices Come to White House
Markup Falls Short in Addressing Credit Union Relief Needs
OCC’s Proposed Threshold Change Divides Bank Trade Groups
January Consumer Litigation Filings: 2026 Starts Out with a Bang
OCC Joins Fed Push to Trim Supervisory Red Flags Issued to Banks
NCUA on Deregulation Project: Help us by Engaging in Comment Process
Credit Unions Play a Critical Role in the Economy, Says NY Fed President
Data Shows Credit Unions Continue to Serve People Banks Leave Behind
New Legislation Seeks to Overhaul the CFPB’s Public Database by Mandating Consumer Attestations
FINANCIAL TECHNOLOGY – California DFPI Weighs Expanded Oversight as AFC Urges Risk-Based Rules
Credit Unions Putting People First, Making Life More Affordable
Simpson to GAC: Credit Unions’ Greatness is The Sum of Millions of Stories
KBRA Releases Research – Federal Student Loan Defaults: DOE Enforcement Delays Temper Consumer Credit Risk
OCC Issues Final Rules to Reduce Regulatory Burden for Community Banks
Hauptman: NCUA Focused on Modernization, Relief
Wiley Consumer Protection Download
ABA Urges CFPB to Improve Complaint Intake Form, Combat Frivolous Complaints
The Power of a Unified Voice
Credit Unions Putting People First, Making Life More Affordable
ABA Statement on Potential Updates to Bank Liquidity Framework
Zions Bancorporation Sees Executive Shuffle
OCC Issues Final Rules to Reduce Regulatory Burden for Community Banks
Citadel Credit Union Completes Charter Conversion to Broaden Access & Support Responsible Growth
Texans Credit Union Merges With Las Colinas Federal Credit Union to Drive Expansion Across North Texas
Supreme Court Lets $134 Million CashCall Judgment Stand – Tribal Lending Shield Fails Again
California Court Grants Summary Judgment to OppFi, Rejects DFPI “True Lender” Theory
6 Key Points for Student Loans After Shock Court Decision Preserves Repayment Plan, For Now
GAC 2026: In Debut GAC Speech, Simpson Calls on Movement to Protect Cooperative Model
Credit Infrastructure Reset Powered by Unified Platforms
Experian Imposes Another Price Increase on Mortgage Lenders
FTC Enforcement Priorities: What the Agency’s Actions Reveal About 2026 Risk
America’s Credit Unions Endorses Four Additional Rule Changes as NCUA Advances Deregulation Effort
Simpson: Credit Union Movement Brings Focus, Unified Voice to D.C.
FinTech Avant Boosts Financing Capacity with New $200M Deal
Mortgage Delinquencies Jump as Early-Stage Credit Stress Broadens
Letter to the CFPB on the Consumer Response Intake Form
CBA Comment on OCC’s Heightened Standards NPRM
CBA Recognizes Over 60 Lawmakers as “Fraud Fighters”
Are Portable Credit Reports the Solution to Curb Surging Costs?
All About Affordability
District Court Dismisses All Claims in Credit Union Settlement Disagreement Over Tradelines
Attorney General Jay Jones Joins Litigation to Stop President Trump’s Defunding of the Consumer Financial Protection Bureau
CFPB Requests Comments on Four Proposed Information Collection Extensions
What is Top of Mind for 2026 in Banking?
TransUnion Completes Acquisition of Majority Ownership of the Consumer Credit Business of Buró de Crédito
Happy Money Introduces Partner-Branded Program to Help Credit Unions Drive Lending and Membership Growth
Deregulatory Proposals Would Provide Relief, Flexibility to Credit Unions
Modernized Federal Oversight Needed for Debt Settlement Companies
Citadel Credit Union Completes Charter Conversion to Broaden Access & Support Responsible Growth
Data Brokers Fuel Scams: Senate Report On Billions Of Consumer Losses
Fair Isaac Expands Consumer Credit Tools As Valuation Meets Product Test
What It Means To Be a Bank Is Rapidly Changing
Ending Scam Credit Repair Act: New Proposed Law Target Shady Credit Repair Services, False Promises & Upfront Fees
Industry Response to California DFPI Regulatory Proposal
ABA, Associations Urge Lawmakers to Rein in Debt Settlement Industry
Colorado Bill Would Reshape Auto Repossessions and Create 3‑Day Return Right for Certain Vehicles
FDIC Publishes January Enforcement Actions
Banking Regulators Report Progress on Right-Sizing Regulation
Block Laying Off About 4,000 Employees, Nearly Half of Its Workforce
NYC’s Final Debt Collection Rule Aims to Tackle Billing Mess
CFPB Proposes Updates to Regulation B Under Equal Credit Opportunity Act
Chime Members Rise as Demand Grows for Earned Wage Access
FDIC Finalizes (Again) Its Independent Office of Supervisory Appeals, While the OCC Proposes Its Own Changes
Credit Unions Gain Edge with New CashBack+ Credit Card Rewards
JPMorgan’s $20 Billion Tech Bet Could Shrink FinTech’s Edge
California DFPI’s Next Target: Credit Reporting Industry
FCA Proposes Action to Close Gaps in Borrowers’ Credit Files
DCUC Supports NCUA Deregulatory Proposals in Four Comment Letters
The Consumer Financial Protection Bureau is Under Threat
Trump Highlights Trade And Tax Cuts In Address, Leaves Credit Card Policy Questions Hanging
Credit Bureau Pulls in Employment: State Law Limitations and Their Effect on Motor Vehicle Records
Consumer Relief Tied to CFPB Complaints Declines
NCUA Announces Sixth Round of Deregulation Proposals
Fintech Giant Stripe Circles Possible PayPal Acquisition: Bloomberg
Chase Explains Why It Won’t Lose Billions on Apple Card
Vice Chair Bowman Elaborates on Supervisory Priorities and Examination Approach
Empire State of Scrutiny: The New York FAIR Act and Auto Lending
Credit Unions Poised to Help Families Thrive in a Changing Economy
Equifax National Market Pulse Data Shows U.S. Consumer Debt Accelerating
NCUA Extends 18% Interest Rate Ceiling for Most Loans
Wings Credit Union Signs with Corelation, Selecting KeyStone to Elevate Its Future
US Appeals Judges Press Trump Administration on Consumer Watchdog Shutdown
ACU Launches Nationwide Campaign Urging Congress to Reject Durbin-Marshall Credit Card Mandates
The Great Bank Consolidation of 2026: Mike Mayo Signals a ‘Generational Restructuring’ of the Financial Sector
ABA DataBank: Consumer Confidence Surprises to the Upside