Daily Digest - February 23, 2026

🎂Happy Birthday to the following: Brooke Teal of Philips & Cohen Associates, Christi Evans of PRA Group, Brian Blake of RNN Group, Christina Baker of ACA International, Amanda Faris of Bill Gosling Outsourcing, Don Cornelius of Simon’s Agency, and Ken Hayes of Bill Gosling Outsourcing. Happy belated Birthday to: Greg Ruffino of InterProse (Feb. 22), Phil Thomas of Credit Control (Feb. 22), Kimberly Sheffield of Hyundai Capital America (Feb. 22), Rob Jaycox of PayWise Solutions (Feb. 22), Tasha Nabila of InDebted (Feb. 22), Aaron Weisberg of Southeast Toyota Finance (Feb. 21), Brooke Hamsta of Helvey & Associates (Feb. 21), and Shikha Gupta of Midland Credit Management (Feb. 21).

🎉Congratulations for starting new positions: Natalie Hickman as Senior Performance Manager at Midland Credit Management and Luke Eichbauer as Vice President of Human Resources at Complete Recovery Corp.

🧪 This is a test. This is only a test.

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Credit One Bank to Pay $10.2 Million to Settle California Collection Harassment Claims

• Credit One Bank has agreed to pay more than $10 million to resolve a civil consumer protection lawsuit brought by a coalition of California district attorneys who alleged the bank and its collection vendors made repeated, intrusive, and harassing phone calls to consumers in connection with overdue credit card accounts. The judgment was entered on February 19, 2026, in Riverside County Superior Court and was announced publicly by district attorneys from Los Angeles, Riverside, San Diego, and Santa Clara counties.

• More details here.

A MESSAGE FROM TCN

TODAY’S WEBINAR

UPCOMING WEBINARS

Vermont Supreme Court Rejects FDCPA Claim in Credit Card Collection Case

• The Vermont Supreme Court has affirmed a ruling in favor of a creditor that was accused of violating the Fair Debt Collection Practices Act because it allegedly told the consumer in a letter that a collection lawsuit had been filed against him before it was actually filed with the court.

• More details here.

Judge Limits Private FCRA Claims in Adverse Action Notice Case

• A District Court judge in Indiana has partially dismissed a Fair Credit Reporting Act lawsuit over issues with an adverse action notice following a background check.

• More details here.

Lawmakers Reintroduce Patient Debt Relief Act, Targeting Medical Debt Collections, Wage Garnishment

• A group of lawmakers earlier this month reintroduced the Patient Debt Relief Act, proposing new federal protections for consumers facing medical debt, including limits on wage garnishment and home foreclosures, new repayment requirements for hospitals, and a grant program to purchase and retire qualifying medical debt. The bill, led by Rep. Gabe Vasquez [D-N.M.] and joined by Rep. Angie Craig [D-Minn.] and more than a dozen co-sponsors, comes as lawmakers point to rising medical costs and coverage changes that are pushing more consumers into collections.

• More details here.

Compliance Digest – February 23

• Another ruling on consumers trying to set up collectors by sending conflicting messages. An update on a medical debt collection bill progressing in Washington state. How to defend class actions. Get insights into those developments and a lot more in this week's Compliance Digest, featuring insights from Mitch Williamson, James Schultz, Connor Herfurth, Lori Quinn, Crystal Duplay, Loraine Lyons, Preandra Landrum, Chuck Dodge, Laurie Nelson, Brendan Little, and Khari Griffin.

• More details here.

• This series is sponsored by Frost Echols

WORTH NOTING: The things that Mark Cuban says everyone should do during a recession ... There has been a sharp increase in data-only extortion attacks ... A summary of the states that are seeking to enact wage garnishment restrictions on medical debt ... Caregivers weigh in on how they manage meds, meals, money, and appointments ... This is pretty cool and pretty scary at the same time ... Which jobs are the deadliest in America ... How to spot a ghost job before you waste your time applying ... Why nobody can agree on whether AI is the next big thing or just hype.

Music Monday, part I

Music Monday, Part II

Friday’s webinar recap will be published tomorrow. Sorry for any inconvenience.

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The Daily Digest is sponsored by TCN