Daily Digest - April 28, 2026

🎂Happy Birthday to: Joseph DeMarzio of Skit.ai, Jeremy Spurling of Emprise Technologies, Dan Medina of Harris & Harris, Jeff Toper of Womble Bond Dickinson, and Marian Sangalang of The Bureaus.

🎉Congratulations for starting new positions: Samuel Vélez as Performance Intelligence Analyst at Centrical, Danny Pabon as Recovery Agent Protection Committee (RAPC) at American Recovery Association, David Paris as Director of Capital Markets & Strategic Growth at Rev Now Financial, Genara Gutierrez as Senior Relationship Manager at Crown Asset Management, and Noel Crichton as Director, Regulatory Compliance & Audit Oversight at Crown Asset Management.

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.

Bank Facing TCPA Class Action Over Collection Location Call

• One call. That’s all it takes to end up as a defendant in a Telephone Consumer Protection Act class-action. A bank is facing claims it violated the TCPA when played a message using what the plaintiff alleges is an artificial or prerecorded voice in what appears to be a location information request looking for someone with the same last name as the plaintiff.

• More details here.

• This series is sponsored by WebRecon

A MESSAGE FROM TCN

TODAY’S WEBINAR

UPCOMING WEBINARS

FDCPA Letter Case Heading to Trial After Judge Rules on Competing Summary Judgment Motions

• In a case that has been circling the legal system for more than three years, a District Court judge in Arizona has partially granted a plaintiff’s motion for summary judgment in a Fair Debt Collection Practices Act case involving the timing of when a dispute letter and attorney representation letter were received by the defendant and a documentation letter that was sent to the plaintiff. The ruling marks the latest development in a case that has already drawn attention due to its implications around Article III standing and what constitutes a concrete injury under the FDCPA. While earlier decisions in the case focused heavily on standing, this latest order shifts the focus back to the underlying statutory violation itself.

• More details here.

Judge: Reliance on Furnisher Data Was Reasonable, But Dispute Handling Heads to JuryAI Is Speeding Up Healthcare Admin Work, But Costs Are Still Rising

• AI is helping healthcare providers and insurers process more work faster, but it may also be quietly driving up costs across the system. A new report from the Peterson Health Technology Institute finds that while AI is reducing administrative burden at the organization level, it is not lowering overall system costs and may actually be increasing them as more transactions, billing activity, and prior authorization requests flood the system.

• More details here.

The $29 Million Problem: Companies Are Too Slow to Act on Customer Intent

• Customer expectations are accelerating faster than most organizations can keep up, and the cost of falling behind is steep. New research from IBM and Adobe finds that companies lose an average of $29 million annually due to delays in responding to customer needs, while only about one-third of the data they collect is actually used to improve customer experience.

• More details here.

Judge Finds No FCRA Violation Where Late Payments Were Accurately Reported Despite Autopay Error

• Who among us hasn’t entered a wrong digit when setting up autopay? A District Court judge in New York has ruled that credit reporting agencies did not violate the Fair Credit Reporting Act when they reported late payments tied to an autopay error, finding the information was accurate and not misleading even under unusual circumstances.

• More details here.

WORTH NOTING: Why you need to practice "professional stupidity," according to the creator of The Onion ... Social media scams have ensnared a lot of people and cost them billions of dollars, according to the Federal Trade Commission ... A look at college students' attitudes toward money ... You're likely wasting hundreds of dollars a year on food that gets thrown away. How to prevent it ... A majority of Americans are using AI for financial advice, and a professor at MIT says they are doing it wrong ... Americans tend to underestimate their lifespan and aren't saving enough money ... Why more educators are embracing the idea of doing away with homework ... A list of the financial mistakes that most people make in their 30s and 40s.

Trailer Tuesday, part I

Trailer Tuesday, Part II

Webinar Recap: Optimizing Cost per Resolution

Hosted by Mike Gibb of AccountsRecovery.net and sponsored by Halsted Financial, this session brought together leaders from agencies, fintechs, and law firms to explore how organizations can reduce the cost to collect while maintaining compliance and operational excellence.

Panelists emphasized that “resolution doesn’t always have to involve money” (Chris Schumacher), highlighting disputes, inquiries, and account closures as part of the equation. They discussed the importance of defining KPIs clearly, leveraging technology to track qualitative metrics, and segmenting costs by client and state. Angela Armstrong noted that “rework or bad data” is one of the most overlooked drains on cost, while Calder Willingham stressed the need for transparency with clients about recovery expectations.

The conversation underscored that automation, digital-first strategies, and annual ROI reviews are essential to sustaining profitability in today’s environment.

🧠 Key Takeaways:

• Start with an AI Inventory & Definition 
  Document where AI is being used, define what counts as AI in your business, and establish clear permissible use policies.

• Plan for Shadow AI & Human Oversight 
  Employees may use unauthorized tools—monitor for this risk, and ensure humans remain accountable for AI outputs to avoid automation bias.

• Strengthen Vendor & Contract Controls 
  Audit vendors for AI use, include contractual provisions for data privacy and AI governance, and prepare for vendor instability in a fast-changing market.

This webinar reinforced that optimizing cost per resolution requires both operational rigor and strategic flexibility. As Angela Armstrong put it: “Rework or bad data is a hidden cost many overlook.” For agencies, fintechs, and creditors, the path forward lies in smarter segmentation, transparent client engagement, and embracing automation to maximize efficiency.

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