Daily Digest - April 15, 2025

🎂🎉 Happy Birthday wishes to: Kathy Cash of Barron & Newburger, Michael Woodyshek of FLOCK Finance, consultant Juan Blanco, Scott Cole of Radius Global Solutions, Michelle Johnson of TrueML, and Justin Miller of Kompato AI. 🎁🥳

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Suit Accuses Collector of Trying to Collect VA Debt

• There are lawsuits that, when you read the allegations, lead you to question the choices that were made by the defendant. Then, there are lawsuits that, when you read the allegations, lead you to question what the defendant should have done differently. This case appears to be the latter of those two scenarios. A collection operation is being sued for allegedly violating the Fair Debt Collection Practices Act because it attempted to collect on an unpaid healthcare debt that should have been covered by the Veterans Administration, yet the allegations in the complaint never make mention of the plaintiff communicating with the defendant in any way.

• More details here.

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Court Grants Motion to Dismiss FDCPA Case for Second Time, Denies Sanctions

• A District Court judge in Oregon has granted — for the second time — a defendant’s motion to dismiss a Fair Debt Collection Practices Act lawsuit, while also denying the defendant’s motion for sanctions. The decision, made by Judge Michael H. Simon of the District Court for the District of Oregon, comes after the plaintiff, representing herself, filed an amended complaint alleging the defendant falsely marked her account as disputed when furnishing information to the credit reporting agencies.

• More details here.

CFPB to Review All ‘Weaponized’ Guidance

• The acting director of the Consumer Financial Protection Bureau has announced a plan for the Bureau to undertake a comprehensive internal review of its regulatory guidance documents, such as the medical debt collection guidance it announced in a court filing last week that it was planning to revoke. In a memo that was circulated last Friday, Russell Vought, the CFPB’s acting director, announced the agency would stop issuing sub-regulatory guidance documents and would rescind prior guidance deemed unlawful. This move aligns with the Trump administration’s ongoing push to curb what it calls “weaponized” regulatory practices and to ensure that all regulations go through the proper rulemaking process under the Administrative Procedure Act.

• More details here.

Bill Introduced to Prohibit Time-Barred Collection Lawsuits

• A bill has been reintroduced in the House of Representatives that would prohibit lawsuits filed to collect debts for which the statute of limitations has expired, while also placing additional conditions on time-barred debts that are sold. The Fair Debt Collection Improvement Act, H.R. 2704, was introduced again by Rep. Steve Cohen [D-Tenn.].

• More details here.

WORTH NOTING: Ideas to help make your Easter baskets stand out and be special ... Pharmaceutical pollution in the water is changing the behavior of salmon, according to new research ... Why you may want to go for white rice instead of brown rice from now on ... A lot of people are afraid of losing their jobs ... Which states are the easiest and the hardest to save money in? ... How to draw the line when you're asked to do things that aren't in your job description ... Family board game ideas to step away from screen time ... Why you may want to think twice before letting your kid play Roblox ... This is likely to stir up an interesting debate.

Trailer Tuesday, part I

Trailer Tuesday, Part II

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