Daily Digest - December 19, 2025

🎂 Happy Birthday to: Alma Rabago of Harris & Harris, Renauld Smith of RRS Consulting. Happy belated Birthday to Terry Armstrong.

🎉Congratulations for starting new positions: Jill Fecher, who is leaving Zizo to be the new Executive Director of PIMA.

🌲 🎅 HOLIDAY HAPPY HOUR - TONIGHT!

I will be hosting a holiday happy hour at 5pm ET on Friday, December 19. All are welcome. Please stop by and enjoy some holiday cheer with your friends and colleagues from across the industry. Reply to this email (or send a separate email to [email protected]) to be added to the calendar invite and get zoom credentials. Hope to see you there!

🚨New Training Bytes Video Released!

Check out the newest Training Bytes video! Each week, an expert from the accounts receivable management industry will share how he or she would handle different scenarios that collectors often face. This week, Christopher Nye from Radius Global Solutions shares how collectors should handle consumers who get emotional during interactions. Thanks to Peak Revenue Learning for sponsoring this series! Click on the image below to view this week’s episode!

New Speakers Being Added Daily

Check out ARMTech.live for the growing list of impressive speakers who are going to be in Dallas. This is going to be the must-attend event of the year!

Complaint Accuses Collector of Not Responding to ID Theft Claim, Dispute

• Claims that an individual is the victim of identity theft are no joke. Getting to the bottom of the situation is not always easy. A collection operation is facing claims it violated the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and state law in North Carolina because it had yet to respond to the plaintiff’s claim that he was the victim of identity theft in four months after the plaintiff submitted his evidence.

• More details here.

• This series is sponsored by WebRecon

A MESSAGE FROM TCN

TODAY‘S WEBINAR

UPCOMING WEBINARS

DOJ Presses Fed on Profit Status as CFPB Warns Funding Could Run Out Within Weeks

• The Justice Department has asked Federal Reserve Chair Jerome Powell to clarify whether the central bank has returned to profitability, a determination the Trump administration says could dictate whether the Consumer Financial Protection Bureau may legally receive funding. The exchange comes as the CFPB warns it may run out of money in as little as two weeks and has notified staff of potential job cuts.

• More details here.

Judge Denies MTD FCRA Claim Over Allegedly Incomplete Consumer File

• A Magistrate Court judge in Florida has denied a defendant’s motion to dismiss claims it violated the Fair Credit Reporting Act on the grounds that at this stage of the proceedings, the plaintiff’s claims have to be accepted as true. The decision keeps alive a lawsuit centered on what information must be included when a consumer reporting agency provides a copy of a consumer’s file.

• More details here.

New NCLC Report Gives Nine States Fs on Consumer Asset Protections

• A new report from the National Consumer Law Center says no state in the country meets five basic standards for protecting consumers’ income and property from seizure by creditors, debt buyers, or collection agencies. The No Fresh Start 2025 report, released this week, evaluates exemption laws across all 50 states plus the District of Columbia, Puerto Rico, and the Virgin Islands, assigning letter grades to each jurisdiction.

• More details here.

Wisconsin Appeals Court Tosses $70K Fee Award in FDCPA Case

• A Wisconsin Appeals Court has reversed a lower court’s ruling awarding more than $70,000 in fees and costs in a Fair Debt Collection Practices Act case, concluding that the trial court improperly granted fees tied to a previously dismissed federal action and failed to make necessary factual findings when calculating fees in the state case.

• More details here.

WORTH NOTING: Apple is moving into the debt collection game thanks to changes to its licensing agreements ... A look at 10 famous AI disasters ... How states are ramping up medical debt protection in the wake of changes at the federal level ... Tips to help you overcome social anxiety during the holiday season ... Was this the weirdest play of the NFL season? ... Southwest Airlines is leaning into the 6-7 trend ... When did everything start becoming K-shaped? ... The 12 objects that defined 2025, for better or for worse.

Funny Friday, part I

Funny Friday, Part II

Yesterday’s webinar recap will be published on Monday. Sorry for any inconvenience.

The Daily Digest is sponsored by TCN