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- Daily Digest - October 8, 2025
Daily Digest - October 8, 2025
Brought to you by: TCN | By Mike Gibb
Mike Gibb
October 08, 2025
🎉🎂 Happy Birthday to: Elizabeth Mejia-Ricart of 2nd Order Solutions.
Aaron Reiter and I are back with another episode of “Dad Jokes” Enjoy!
ComplianceCon Photos!
If you missed ComplianceCon last week and want to see what all the fuss was about, or if you were there and want to relive it, check out the photos from the event!
Call Recordings Clear Collector in FDCPA Case Alleging Threats of Arrest
Let’s go to the videotape. A District Court judge in Missouri has granted a defendant’s motion for summary judgment in a Fair Debt Collection Practices Act case, after the plaintiff claimed the defendant threatened arrest and imprisonment, which was rebutted by the call recordings submitted by the defendant.
A MESSAGE FROM TCN
TODAY‘S WEBINAR
UPCOMING WEBINARS
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Bank Regulators Move to Eliminate ‘Reputation Risk’ and Redefine ‘Unsafe or Unsound Practices’
The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) jointly issued two major notices of proposed rulemaking yesterday that aim to bring more objectivity and transparency to bank supervision while also reducing what they describe as “subjectivity and bias” in how regulators assess risk.
If You Think Banks Have It All Figured Out, Think Again
Banks may project stability and structure, but behind the scenes, many are grappling with the same technology and data headaches as everyone else in financial services. According to Bank Director’s 2025 Technology Survey, one in three bank executives say their biggest challenge is figuring out how to use the data they already have effectively.
36 Companies Seeking Collection Talent
Three dozen new jobs, new careers, new starts. Whether you are new to the industry or have been here for decades, there is an opportunity for you in this week’s job listings summary. See who is hiring and maybe find your next step up the corporate ladder.
WORTH NOTING: Rising healthcare costs are forcing more people to adopt "DIY" solutions ... The Bill Belichick experiment at North Carolina isn't going very well ... Consumers want you to get back to them faster. The answer might be right on your desk ... I have to admit, I have no idea how long it has been since we used ours in our house ... The economy is turning into one big bank ... A look at a bunch of new movies you may want to check out that are coming this fall ... Social Security recipients are getting double payments this month ... How job applicants are trying to trick AI into helping them get jobs.
Wisdom Wednesday, part I
Wisdom Wednesday, Part II
Webinar Recap: What it Means to Enrich Your Data and Why You Should Be Doing It
In today’s data-driven collection environment, it’s not enough to have data—you need to enrich it. That was the central message in the webinar “What It Means to Enrich Your Data and Why You Should Be Doing It,” sponsored by CSS Impact. Moderator Mike Gibb described data enrichment as refining crude oil into gasoline: “turning potential into performance.”
Panelists Lucas Brown, Jason Chang, and Rob Grafrath explored how organizations can transform both internal and external data into actionable intelligence. They emphasized that enrichment isn’t just about buying data from vendors—it’s about enhancing the data you already have. Internal enrichment, such as analyzing consumer behavior, attribution, and response timing, can be as powerful as external data sources like credit scores or demographic profiles.
Jason Chang shared how Harrison & Harris built its own data warehouse and attribution models to understand which contacts drive payments, while Lucas Brown encouraged using event-based modeling to connect outbound activities with consumer actions. Rob Grafrath highlighted the importance of balancing cost and quality when acquiring enriched data: “I’d rather have one great phone number than ten bad ones.”
Panelists agreed that enrichment should be tied to operational goals, supported by collaboration between business and technology teams. As Brown noted, “If you can align methodology and philosophy across teams, that’s where diamonds are made.”
🧠 Key Takeaways:
Use both internal and external data. Combine insights from your own systems with vendor data to create a more complete consumer profile.
Test and measure impact. Define clear success metrics and continuously evaluate whether enrichment is improving outcomes.
Foster collaboration. Bridge the gap between operations, analytics, and IT to ensure data enrichment drives measurable business decisions.
For the ARM industry, the takeaway was clear: Data enrichment isn’t optional—it’s the key to smarter strategies and stronger recoveries.
The Daily Digest is sponsored by TCN
