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CONSUMER LENDING, COMPLIANCE, AND
CREDIT RISK & REPORTING NEWS

FCRA Reasonable Investigation Standard: What Compliance Teams Need to Know

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The Top Headlines This Week: MARCH 30, 2026

Consumer Compliance Supervisory Highlights Spring 2026

New JD Power Study Finds Credit Unions Continue to Outperform Banks in Satisfaction, but Attrition Risk is Rising. SchoolsFirst Federal Credit Union Ranks Highest in U.S. Credit Unions

Emerging Issues and What to Watch for in 2026

Lawler, Gottheimer Introduce Bipartisan Bill to Strengthen Credit Data Accuracy and Protect Consumers

Armstrong v. Equifax Information Services LLC, No. 2:2025cv11268 – Document 15 (E.D. Mich. 2026)

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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, Maryland Attorney General Secure Full Refunds and Additional Penalties Against Lindsay Auto Group for Deceptive Pricing Practices and Unwanted Add-ons
Consolidated Reports of Condition and Income for First Quarter 2026
Concerns Mount Over Core Provider Issues
Debt Settlement Services
Consumer Compliance Supervisory Highlights Spring 2026
New JD Power Study Finds Credit Unions Continue to Outperform Banks in Satisfaction, but Attrition Risk is Rising. SchoolsFirst Federal Credit Union Ranks Highest in U.S. Credit Unions
2025 HMDA Modified Loan Application Register Data Published
NCUA Releases 2025 Annual Report
Economic Update: Research Proving Credit Union Impact
Armstrong v. Equifax: Court Rules on Removing Dispute Notations Under FCRA
Federal Reserve Vice Chair for Supervision Michelle Bowman, House Financial Services Committee Chairman French Hill, Industry Executives Address CBA LIVE 2026
Opposition to Proposed Financial Assistance Certification Changes
2025 NCUA Annual Report
Auto Loan Origination and Servicing – March 2026
Cards, Payments, and Consumer Banking – March 2026
Emerging Issues and What to Watch for in 2026
Fintech – March 2026
Mortgage Origination and Servicing – March 2026
Student Lending – March 2026
FDIC Issues 2026 Consumer Compliance Supervisory Highlights
Consumer Compliance Supervisory Highlights
America’s Credit Unions: Reconciliation Path Uncertain as Industry Prepares to Defend Tax Status
DCUC Submits Four Comment Letters Supporting NCUA Deregulatory Efforts
2025 HMDA Data on Mortgage Lending Now Available
Trump Administration Prepares Final Lending Rule to Narrow Civil Rights Protections
Homebuyers Privacy Protection Act Added to FTC’s FCRA Text
OCC Rescinds Recovery Standards for Larger Banks
Vought Requests More CFPB Funding from Fed
TomoCredit Revamps Marketing Claims, Emphasizes Coaching Instead of Boosting Credit
Southern District of New York | CEO Of Credit Monitoring Company Pleads Guilty in Connection With Nationwide Online Marketing Scheme
Credit Reporting – March 2026
OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches: Final Guidelines
More People Are Finding Credit Report Errors. Here’s How to Fix Yours
NCUA Releases New Charter System
Steven Wright Joins First Tech Credit Union as CLO
U.S. Supreme Court Declines Review in CFPB Enforcement Action
Lawler, Gottheimer Introduce Bipartisan Bill to Strengthen Credit Data Accuracy and Protect Consumers
America’s Credit Unions: Reconciliation Path Uncertain as Industry Prepares to Defend Tax Status
Draft Data Privacy Bill Includes Important Relief, Needs Additional Updates
ABA Report Warns Credit Unions Are Expanding Commercial Lending, Drifting from Core Mission
CFPB Employee Union Calls for Lawmakers to Fully Restore Agency Funding
Report: Worst Credit Bureau for Resolving Errors (and How to Fight Back)
NCUA Releases New Charter System
OCC Reports Mortgage Performance for Fourth Quarter of 2025
The New Rate Reality: Credit Unions Told to Reprice Fast, Protect Core Deposits
SoFi’s US$3.6b Loan Partnerships Shift Focus to Fee Income
How Much Credit Scores Have Changed in Each State
FDIC Cuts Could Drain Institutional Knowledge: OIG
FDIC Publishes February Enforcement Actions
Credit Unions are Keeping Pace with Tech Amid Shift Toward Digital Innovation
Deregulating Big American Banks Makes Them Riskier
Vermont’s “Right to Say No”: What the Data Privacy Bills Actually Do – and Don’t Do
The OCC Weighs in on Contentious Seventh Circuit Appeal of Illinois’ “Swipe-Fee” Law
Debt Collection Complaints Surge as CFPB Faces Changes
DCUC, ACU Back NCUA Plan to Let FCUs Reimburse Dependent Care Costs for Volunteer Officials
Survey: More Customers Moving Money to Different Bank
Tradelines Remain Legal Amid 2026 Regulatory Scrutiny in U.S. Credit Markets
Armstrong v. Equifax Information Services LLC, No. 2:2025cv11268 – Document 15 (E.D. Mich. 2026)
FTC Chairman Andrew N. Ferguson Issues Warning Letters to CEOs of PayPal, Stripe, Visa and Mastercard About Debanking American Consumers
Comments on Deregulation Project Proposals Due May 26
Comments on Deregulation Project Proposals Due May 26
Innovation At the Speed of Markets: How Regulators Keep Pace with Technology
Federal Judge Dismisses Background Screeners’ Challenge to Colorado law
FTC Chairman Andrew N. Ferguson Issues Warning Letters to CEOs of PayPal, Stripe, Visa and Mastercard About Debanking American Consumers
With Graham Signaling New Budget Bill, Credit Unions Brace for Tax Debate
Consumers Added $86 Billion in Credit Card Debt in 2025
Senator Hawley Investigating FICO Credit Score Pricing Practices and Urging FTC to Investigate as Well
Stop Ignoring Imperfect Credit Customers, Start Competing
READOUT: Financial Stability Oversight Council Meeting on March 25, 2026
Better Sooner Than Later: Oklahoma Passes a New Consumer Privacy Law
Lawmakers Introduce Deposit Insurance Reform Bills
FTC Testifies before the Joint Economic Committee on Agency’s Efforts to Combat Fraud
Comptroller Gould Issues Statement at Financial Stability Oversight Council Meeting
NCUA Announces Eighth Round of Deregulation Proposals
Credit Union Survey Says…
FICO® Score Credit Insights Report: Average FICO Score Dips to 714
Why AI is Reshaping Decision-Making in Consumer Lending
California Borrower Sues UWM Over Credit Pull
NCUA Updates Simplified CECL Tool
Differences Remain Between House and Senate Housing Bills
As Fraud Hits Record Levels, Credit Unions Lead the Fight
Fed Watchdog Says Bank Merger Reviews Are Getting Slower
NCUA Announces Eighth Round of Deregulation Proposals
Fair Credit Reporting Act; Revised, March 2026
District Court Rules Furnisher’s Investigation Unreasonable in FCRA Case
BNPL Users Struggle with On-Time Payments as Usage Expands
The Growing Data Battle Between Banks and Fintechs
Hawley Investigates FICO for Mortgage Credit Scoring
The New Invisible Battlefield for Banks: AI Drives $262 Billion in Sales
AI in Banking ‘Not a Silver Bullet’: Analyst
ESCUD Pushes NCUA, CFPB To Lift NMLS Burden On Small CUs
Mike G. Silver Shares Perspective on CFPB Complaint Decline in Inside Mortgage Finance
District Court Dismisses FCRA Suit Against Insurer, Permits Amendment
AI Framework Calls on Regulators to Address Sector-Specific Uses
Bank Mergers Are on the Rise: Your Bank Could Be Next
What CFPB Servicer Complaints are Signaling to Mortgage Brokers Right Now
Lawmakers Introduce Bill to Curb Credit Repair Scams
Current Expected Credit Loss (CECL): The Simplified CECL Tool
As TSA Works Without Pay, Keesler FCU Takes Relief On-Site at Airports
Personal Loan Use Reaches New High; Rate Cuts May Drive More Activity