Daily Digest - June 15, 2026

Brought to you by: TCN | By Mike Gibb

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Mike Gibb
June 15, 2026

🎂 Happy Birthday to: Chris Isensee of DCM Services. Happy belated Birthday to: Josh Pond, MBA of World Finance (June 14), and Shane Ketchum of Santander Consumer USA (June 13).

🎉Congratulations for starting new positions: Lauren Pals as Associate Director at Goosehead Insurance, Rachael Moody as Director of Platform Operations & Automation at Complete Recovery Corp., Christi Regan as Senior Manager, Client Success & Growth at KnovaOne, and Debbi Roberts, GRCP, CRCP as Managing Principal| Financial Services | Strategy, Risk, Compliance & Performance Improvement at Arcsalus Advisors.

New AI Event!

I am thrilled to announce a new live conference I am hosting. It’s an AI conference for the credit and collection industry. It will be held in Denver this September. Check out getbrainstorming.com for more information. And watch the video below to see me showcasing my outdoor skills.

🚨Logo Madness! We’re Down to the Final Two!

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.

Which logo deserves to advance?

Login or Subscribe to participate in polls.

Judge Denies Motion to Dismiss, Says Creditor ‘Simply Hoped’ Court Would ‘Rubber Stamp’ Its Arguments

  • A consumer’s Fair Credit Reporting Act lawsuit has survived a motion to dismiss sought by one of eight named defendants after a District Court judge in Georgia concluded that the defendant’s own unwillingness to carefully read the complaint did not make the complaint deficient.

  • More details here.

A MESSAGE FROM TCN

TODAY’S WEBINAR

UPCOMING WEBINARS

Wisc. Appeals Court: ‘I Don’t Agree With This at All’ Isn’t Enough to Stop a Repo

  • A Wisconsin consumer’s Wisconsin Consumer Act lawsuit against a credit union over the repossession of her vehicle has been dismissed after a state appeals court found that her statements during the repossession did not rise to the level of a legally recognized objection, and that false income information on her credit application stripped her of key statutory protections.

  • More details here.

Rep. Waters Presses Wall Street CEOs on AI Vulnerabilities

  • Rep. Maxine Waters [D-Calif.], the ranking member of the House Financial Services Committee, has demanded a formal briefing from the chief executives of six of the nation’s largest financial institutions on how they are managing cybersecurity risks tied to a powerful new artificial intelligence model developed by Anthropic.

  • More details here.

Healthcare Costs Projected to Rise 9% in 2027

  • Commercial healthcare costs are projected to rise 9% in 2027, the highest medical cost trend in nearly two decades, according to a new report from PwC with the top concern being the rapid adoption of AI-enabled documentation and coding tools by providers

  • More details here.

TransUnion: Consumers Stay Optimistic but Affordability Pressures Are Building

  • U.S. consumers are entering the second half of 2026 cautiously optimistic about their financial futures, even as rising gas prices, slowing income growth, and persistent inflation continued to squeeze household budgets, according to TransUnion’s Q2 2026 Consumer Pulse study.

  • More details here.

CISA’s New Patching Rules Give Agencies Three Days to Fix the Riskiest Vulnerabilities

  • Federal regulators have issued sweeping new guidance requiring government agencies to overhaul how they prioritize cybersecurity patching, a development that security experts say carries clear implications for private-sector organizations.

  • More details here.

Compliance Digest – June 15

  • Check out this week's Compliance Digest and get expert analysis from Marissa Coyle, Nabil Foster, John Marees, Brooke Conkle, Justin Penn, and Khari Griffin, covering a wide range of rulings and regulatory developments including arbitration waiver, FDCPA standing, FCRA claims, and the CFPB's leadership transition. Sarah Doerr, Dale Golden, and Chris Hahn round out the edition with commentary on autopay reporting inaccuracies and Philadelphia's new credit card collection conciliation program.

  • More details here

  • This series is sponsored by Frost Echols

WORTH NOTING: A list of the cheapest places to buy a home in America right now ... Seven money habits that can help strengthen your retirement ... Some AI prompts to help you understand your work data ... How Americans feel about sharing their data with AI ... LabCorp has reached a $35 million settlement related to a data breach at a collection operation that affected more than 21 million individuals ... Economic pressures are keeping people in their homes for as much as 12 years longer than they wanted to stay ... How excessive heat kills and how to stay safe ... Which states are the most, and least, obsessed over ice cream.

Music Monday, part I

Music Monday, Part II

Webinar Recap: How the FDCPA, TCPA, and FCRA Work With Each Other and Conflict With Each Other

In this session, industry experts examined how the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), and Fair Credit Reporting Act (FCRA) intersect in debt collection and credit reporting. While each statute has distinct aims—consumer protection, communication regulation, and credit reporting integrity—their overlaps create compliance challenges, particularly around disputes, consent revocation, and communication technology.

Panelists emphasized that disputes are currently the most pressing issue. As Jessica Klander noted, “Almost every case I see… includes a dispute claim, almost universally.” The conversation highlighted how definitions of disputes differ across FDCPA and FCRA, creating confusion in policies and procedures. Chuck Dodge added, “You have to listen for what does it sound like to have revocation of that consent… does that amount to a dispute?”

Technology was another focal point. Crystal Duplais pointed out that even emojis in text responses can signal revocation, requiring systems to detect and act on them. Caren Enloe stressed that poor integration between dialers, credit reporting, and validation systems can inadvertently trigger violations.

The TCPA’s role has shifted since the Facebook ruling, reducing risks tied to predictive dialers. However, prerecorded/artificial voice messages, text messaging, and e-sign consent remain areas of concern. Panelists agreed that as AI and automation expand in collections, courts may scrutinize these practices more closely.

🧠 Key Takeaways:

  • Strengthen dispute-handling policies: Clearly distinguish FDCPA validation requirements from FCRA investigation obligations to avoid compliance gaps.

  • Enhance system integration: Ensure dialers, credit reporting tools, and validation processes communicate seamlessly to prevent inadvertent violations.

  • Reassess TCPA compliance: While predictive dialer risks have eased, prerecorded messages, text campaigns, and e-sign consent remain high-risk areas requiring careful oversight.

This webinar underscored that while the laws aim to protect consumers and ensure fair practices, their overlaps demand proactive compliance strategies and robust system integration.

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