Daily Digest - February 2, 2026

🎂Happy birthday to the following: David Gaffney of Trend Health Partners and Valerie Martinet of Transworld Systems. Happy belated Birthday to: Brett Soldevila of EquiPro Holdings (Feb. 1), Amanda Gilbert of Equifax Workforce Solutions (Feb. 1), Jamie Lammers of Credit9 (Jan. 31), and Erin Ziegler of Resurgent Capital Services (Jan. 31).

🎉Congratulations for starting new positions: Michael Kane as Chief Operating Officer / Chief Compliance Officer at J.J. Marshall & Associates, Ranee Schwinof as Director of Client Services and Compliance at United MediCorp, Rachell Fauble as Senior Human Resources Manager at Rent Recovery Solutions, and JuliAnn Rich as Senior Manager of Employee Experience & Shared Services at Bridgecrest,

CFPB Opens Door to Changes That Could Make Filing Complaints More Difficult

• The Consumer Financial Protection Bureau on Friday began the process to significantly reshape how consumers file complaints, particularly against credit reporting companies, a move that could also have ripple effects across debt collection, banking, and servicing. In a notice published in the Federal Register, the CFPB announced it is seeking public comment on extending and potentially modifying its Consumer Response Intake Form, the backbone of the Bureau’s complaint system.

• More details here.

A MESSAGE FROM TCN

TODAY’S WEBINAR

UPCOMING WEBINARS

Indiana Senate Advances Bill to Cap Medical Debt Wage Garnishment

• A boipartisan bill regulating how medical debt can be collected was passed last week by the Indiana Senate and is one-half of the way to becoming law.

• More details here.

Court Dismisses FCRA Claims Over Post-Transaction Credit Pulls

• A District Court judge in New York has granted a motion to dismiss filed by a creditor that was accused of violating the Fair Credit Reporting Act over access and use to the plaintiff’s credit reports when attempting to purchase a vehicle from one of the defendants.

• More details here.

Court Rejects Early Dismissal of Claims Tied to Alleged Unauthorized Condo Fees

• A District Court judge in Illinois has denied a motion to dismiss filed by a property management service in a lawsuit claiming it and a collection law firm violated the Fair Debt Collection Practices Act and state law over eviction proceedings that attempted to collect an unauthorized administrative fee.

• More details here.

Compliance Digest – February 2

• Start your week off on the right foot, with important insights and perspective from nine different compliance experts -- Jessica Klander, Chuck Dodge, Nabil Foster, Jenna Williams, David Schultz, Stacy Rodriguez, Roshni Patel, Jason Tompkins, and Monica Littman. Make sure you know exactly what you need to know about the most recent developments impacting how to collect from and engage with consumers.

• More details here.

• This series is sponsored by Frost Echols

WORTH NOTING: More patients are seeing a new type of fee appear on their medical bills after a visit to the doctor ... Just in time for Valentine's Day: A list of the 100 most romantic restaurants in America ... If you are looking for a new TV to watch the Super Bowl this weekend ... If you are tired of bad haircuts, here are tips to help you get the do of your dreams ... Are new cars becoming a luxury item for Americans? ... How to stay in the productivity "zone" all day ... Artificial intelligence predicts each of the picks for the first round of the NFL draft ... The Federal Trade Commission has a new deputy director for its Bureau of Consumer Protection.

Music Monday, part I

Music Monday, Part II

Webinar Recap: The Jobs & Tasks That AI is Coming For

Artificial intelligence is rapidly transforming the credit and collections industry, reshaping not only repetitive tasks but also core functions such as compliance, analytics, call center operations, and client reporting. In a recent webinar hosted by AccountsRecovery.net and sponsored by CSS Impact, panelists Rodrigo Fuentes (Kompato AI) and Jeremy Mapes (Mapes LLC) shared insights on how agencies and financial institutions can navigate AI adoption responsibly.

Fuentes cautioned against rushing into automation without a compliance framework: “The biggest mistake is focusing too quickly on automation without a clear compliance angle.” He emphasized the importance of standard operating procedures (SOPs) and quality assurance paths before integrating AI into workflows. Mapes echoed this, warning that companies mandating workforce reductions without clear execution plans risk financial and operational setbacks.

The discussion highlighted AI’s potential to outperform human agents in compliance, with Fuentes citing a 99.9% compliance rate in AI-led conversations compared to traditional QA sampling of human calls. Beyond compliance, AI offers consistency for creditors and personalization for consumers—leveraging memory of past borrower interactions to deliver tailored experiences. Practical entry points include OCR for document processing, email triage, and workflow routing, all of which free staff from repetitive tasks.

CSS Impact showcased its Impact 3.0 platform, which predicts account recovery likelihood, prioritizes high-value opportunities, and embeds compliance safeguards, delivering immediate ROI.

🧠 Key Takeaways:

• Document before automating: Build SOPs and QA paths to ensure AI workflows are reliable and compliant.

• Balance speed with compliance: Avoid rushing into AI adoption without safeguards, but don’t let fear of risk stall innovation.

• Start small, scale smart: Begin with manageable AI applications (OCR, email triage, workflow routing) to unlock efficiencies before expanding.

This webinar underscored that AI is not just about replacing jobs—it’s about enhancing consistency, personalization, and compliance across the collections ecosystem

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