Daily Digest - June 29, 2026

🎂 Happy birthday to: Marie St. James of Gulf Coast Collection Bureau. Happy belated Birthday to: Kim Phan of Troutman Pepper Locke LLP (June 28), Matthew Komos of OGMA Risk and Analytics (June 28), Andrew Roskam of ACCTCORP International, Inc (June 28), and Joe Fazzini of Reliant Capital Solutions (June 27).

🎉Congratulations for starting a new position: Janine Thompson as Sr Manager of Collections and Recoveries Strategy at OppFi, Robert Shane as EVP, Chief Strategy Officer at Notre Dame Federal Credit Union, Stephanie O'Neal as VP of Collections at Greater Texas Credit Union, and Michael DeSimone as Client Operations Manager at Remitter.

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.

If you are interested in being a speaker at the event, click here.

Judge Lets FDCPA Case Over Weekend-Only Request Move Forward

• A District Court judge in Florida has refused to dismiss a consumer’s Fair Debt Collection Practices Act lawsuit over two voicemails left by a collection operation after the plaintiff said she could only be reached on weekends, ruling that her revised complaint now describes the messages in enough detail to proceed.

• More details here.

A MESSAGE FROM TCN

TODAY’S WEBINAR

UPCOMING WEBINARS

Florida Makes State Collection Law the Baseline for Check Cashers and Payday Lenders

• Florida has reworked the collection rules that apply to check cashers and payday lenders when the checks behind their transactions bounce, recasting state law as the universal standard and tying federal Fair Debt Collection Practices Act obligations to whether an outside collector or an assumed name is in play.

• More details here.

Missing Account Numbers Top the List of Metro 2 Furnishing Failures, New Report Finds

• A new report from Metro2, the validation platform built by Switch Labs, points to a familiar culprit behind rejected furnisher files: the data fields that identify a consumer and an account, not the loan itself.

• More details here.

As Patients Embrace Digital Messaging, a Familiar Lesson for the ARM Industry

• A new study on healthcare communication carries a familiar lesson for the credit and collection industry: consumers are growing more comfortable engaging through digital, asynchronous channels, and that shift tends to be additive rather than a clean swap for older modalities.

• More details here.

Judge Grants MSJ for CU in FCRA Suit Over Same-Day Payoff Reporting

• A District Court judge in Massachusetts has granted a defendant’s motion for summary judgment in a Fair Credit Reporting Act lawsuit, ruling that the plaintiff failed to show she suffered any concrete injury from the way her paid-off car loan was reported to the credit bureaus.

• More details here.

Commercial Collection Agencies of America Announces Board of Directors

• Commercial Collection Agencies of America has elected a new member to serve on its Board of Directors.

• More details here.

Compliance Digest – June 29

• This week's Compliance Digest is packed with must-read commentary from Crystal Duplay, Laurie Nelson, Mitch Williamson, Xerxes Martin, Jessica Klander, John Culhane, Chuck Dodge, Virginia Bell Flynn, Leslie Bender, Stephanie Strickler, David Kleber, Colin Winkler, and Monica Littman, covering everything from a judge who called out a defendant for expecting the court to "rubber stamp" its arguments, to a pro se plaintiff who cited AI-hallucinated case law, to a bombshell breakdown of Vermont's sweeping new privacy law and what it means for the ARM industry.

• More details here

• This series is sponsored by Frost Echols

WORTH NOTING: For many pet owners, just one unexpected vet bill can be catastrophic ... A mental health expert weighs in on whether working from home is actually good for you ... Google has unveiled a new finance app that attempts to tell you why stocks are moving how they are ... Eight different types of coins from this century that are already worth more than their face value ... In 250 years, the average lifespan for an American has doubled ... Researchers have uncovered that losing feels worse than winning feels good ... Tips to help working parents create more free time ... Are you showering wrong?

Music Monday, part I

Music Monday, Part II

Webinar Recap: The Disclosures You Need to Make When Communicating Digitally ... and the Ones You're Probably Missing

Digital channels - SMS, email, push notifications, chatbots, RCS, and social media - are now central to collection operations, but they bring new disclosure and consent obligations. In this webinar, sponsored by Concept2Code, panelists emphasized that disclosures in digital communications are fundamentally the same as those required in letters, yet the format and delivery method create unique challenges.

Brit Suttell noted, “A disclosure is a disclosure… the distinction comes with how you’re presenting it.” David Kleber reinforced that digital messages are written communications subject to FDCPA requirements, while Mark Reinhard raised questions about whether links or PDFs in texts count as delivered disclosures.

A major focus was the use of AI in consumer interactions. Josh Stevens cautioned, “If you’re trying to pass off an AI agent as a human, that’s deceptive to a consumer.” Regulators increasingly view undisclosed AI use as a UDAP issue, making transparency essential. Panelists also discussed TCPA case law splits on whether texts qualify as “calls,” with courts divided and the issue likely headed to the Supreme Court.

The consensus: disclosures must be clear, accessible, and tailored to digital formats, while companies should proactively address emerging risks tied to AI and evolving case law.

🧠 Key Takeaways:

• Audit digital communications: Ensure required disclosures (Mini‑Miranda, opt‑outs, licensing notices) are properly formatted across SMS, email, and portals.

• Disclose AI use: Clearly inform consumers when they are interacting with AI and provide an option to connect with a human agent.

• Monitor jurisdictional differences: Stay updated on TCPA case law splits and state‑specific disclosure requirements to avoid compliance gaps.

This summary highlights the practical compliance challenges your audience faces and provides actionable steps to strengthen digital communication strategies while reducing regulatory risk.

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