Daily Digest - April 20, 2026

🎂Happy Birthday to the following: Nate Katz of Blitt & Gaines Law Offices, Erica Hodges of RNN Group (Apr 19), Justin Tierney of BHG Financial (Apr 19), Alex Villafranca of Arbeit Software (Apr 18), and Max Hawes (Apr 17).

🎉Congratulations for starting new positions: Julee Warner as Vice President of Business Development at The Computer Manager, Inc. - Debt$Net Collection Software, Lindsay Love as VP of Recovery Success at everchain, David Paris, CRCP as Director of Capital Markets & Strategic Growth at Rev Now Financial, Noel Crichton, CRCP as Director, Regulatory Compliance & Audit Oversight at Crown Asset Management, and Ryan Herman as Collection Director at Remex, Inc.

Logo Madness!

It’s time to crown the best logo in the industry. Full bracket available here so you can track the competition. Click on the link underneath the logo to choose your winner. Voting is open for 24 hours.

Signed Documents and Payment History Sink FCRA Case Involving Alleged Vehicle Purchase Fraud

• A District Court judge in New York has granted a motion to dismiss filed by defendants in a Fair Credit Reporting Act lawsuit where the plaintiff claimed that someone else was purchasing a vehicle for him, but the documents indicate otherwise, even after the plaintiff claimed to have been taken advantage of and had his identity stolen by the someone else.

• More details here.

A MESSAGE FROM TCN

TODAY’S WEBINAR

UPCOMING WEBINARS

As Hospitals Pull Back, Private Medical Providers Ramp Up Patient Lawsuits

• Hospitals in Connecticut are stepping back from suing patients over unpaid medical bills, but the overall volume of lawsuits has not disappeared. Instead, it has shifted. A new investigation by CT Mirror and KFF Health News shows that physicians, dentists, and other non-hospital providers are now driving the majority of medical debt litigation in the state, raising new questions for those involved in healthcare collections.

• More details here.

Judge Dismisses FDCPA Case Over Lack of Standing Despite Alleged Credit Reporting Issues

• A District Court judge in New York has granted a motion to dismiss filed by defendants in a Fair Debt Collection Practices Act case, refuting a number of arguments put forth by the plaintiff that she had standing to pursue this lawsuit in federal court.

• More details here.

Two Dozen State AGs Push Back on CFPB Strategic Plan, Warn of Weakened Oversight

• A coalition of 23 state attorneys general, all of them Democrats, is escalating pressure on the Consumer Financial Protection Bureau, urging the agency to rethink a proposed strategic plan that would significantly reduce staffing, scale back enforcement, and narrow its supervisory focus. The pushback highlights growing tension between federal and state regulators and signals a potential shift in how consumer financial protection is enforced in the years ahead.

• More details here.

Compliance Digest - April 20

• Insights from seven different experts -- Karen Scheibe Eliason, Mitch Williamson, David Shaver, Nick Prola, Ari Derman, John Marees, and Issa Moe break down court rulings and developments, like the industry's lawsuit against California's DFPI, how to manage your legal inventory to avoid potential issues, a Hunstein case that won't die, and an FCRA preemption battle in Colorado.

• More details here.

• This series is sponsored by Frost Echols

WORTH NOTING: Alabama has become the latest state to pass its own privacy law ... Half of all healthcare organizations have implemented some form of generative AI, according to a report from McKinsey & Co. ... More Americans are using Buy Now, Pay Later services to buy their groceries, which is probably not a good sign for the economy ... For the first time in 60 years, Nutella has released a new flavor ... How a company that focuses on humanity is trying to stand out in a crowded marketplace ... What happened to movie taglines? ... Flashlight tricks you should know when using iPhone or Samsung phones ... Why performance reviews matter now more than ever.

Music Monday, part I

Music Monday, Part II

Webinar Recap: How to Use Data to Improve Collector Performance

In a recent webinar hosted by AccountRecovery.net and sponsored by Halsted Financial, industry leaders discussed how data analytics can elevate collector performance while balancing compliance and consumer experience. Panelists emphasized that while metrics such as conversion rate, cash collected per hour, and promise‑kept rate are essential, the human element—active listening, empathy, and consistency—remains critical. As Jorge Montiel noted, “Data by itself is just noise. It’s a map for a better way of doing things, but that way must be executed by the human element.”

The conversation highlighted the importance of defining “good” performance based on business type and portfolio segmentation. Chris Adams stressed consistency as the hallmark of a high performer, while Wes Deming reminded attendees that “the most important ability is availability.” Manny Plasencia underscored the need to “humanize data,” coupling financial outcomes with customer satisfaction.

Ultimately, the panel agreed that data should guide coaching, not replace it. Predictive models and KPIs provide clarity, but instinct, empathy, and adaptability drive sustainable results.

🧠 Key Takeaways:

• Define benchmarks by portfolio type: Establish realistic conversion and payment expectations using averages, bucket systems, or propensity models tailored to account age and industry.

• Balance compliance with financial KPIs: Track QA scores, empathy statements, and adherence to regulations alongside conversion and cash‑per‑hour metrics to ensure sustainable performance.

• Humanize data through coaching: Use analytics to identify gaps, but prioritize training collectors in active listening, empathy, and consistency to close accounts effectively.

This session reinforced that the future of collections lies in blending analytics with human skill—data provides the map, but people make the journey successful.

Did you know you can get full access to all of my past webinars, along with transcripts and summaries of each, for only $29/month? Sign up to be a premium subscriber today!

The Daily Digest is sponsored by TCN