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    <title>Debt Collection</title>
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      <title>CFPB Floats Reducing Oversight of Nonbanks</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The bureau is considering raising the bar for triggering oversight of nonbanks in consumer reporting, consumer debt collection, automobile lending and international money transfers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235090</guid>
      <pubDate>Mon, 18 Aug 2025 13:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235090-cfpb-floats-reducing-oversight-of-nonbanks</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Illinois delays vote on CRA regulations; FCC closes lead generator loophole; Biden vetoes bill disapproving 1071; CFPB adjusts asset thresholds under HMDA, TILA; bureau issues report on overdraft fees; CFPB shutters medical debt collector.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229808</guid>
      <pubDate>Fri, 22 Dec 2023 15:01:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229808-other-news-in-brief</link>
    </item>
    <item>
      <title>Trade Groups Want CFPB to Slow Down FCRA Rulemaking</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Consumer Financial Protection Bureau’s outline of proposed amendments to the regulation implementing the Fair Credit Reporting Act lacked key details, financial services trade groups said in a joint letter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229579</guid>
      <pubDate>Thu, 30 Nov 2023 11:55:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229579-trade-groups-ask-cfpb-to-slow-down-fcra-rulemaking</link>
    </item>
    <item>
      <title>Court Sides With Borrower Over Discharged Debt Collections</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A panel of judges in the Fourth Circuit Court of Appeals has held that the federal Bankruptcy Code doesn’t preempt state law claims arising from alleged improper collection attempts of a discharged debt.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228796</guid>
      <pubDate>Mon, 18 Sep 2023 14:10:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228796-appeals-court-sides-with-borrower-over-discharged-debt-collections</link>
    </item>
    <item>
      <title>CFPB Sues Installment Lender for Loan Churning</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau has accused South Carolina-based Heights Finance of targeting borrowers for their likelihood to refinance and using coercive practices to drive them into fee-laden refinancing cycles.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228747</guid>
      <pubDate>Tue, 05 Sep 2023 13:28:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228747-cfpb-sues-installment-lender-alleging-it-harvests-refi-fees</link>
    </item>
    <item>
      <title>Debt Buyers May be Liable for Collectors’ Actions, Court Says</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A New York court has rejected a motion to dismiss a CFPB lawsuit against a group of debt buyers for violations of the Consumer Financial Protection Act and the Fair Debt Collection Practices Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228756</guid>
      <pubDate>Tue, 05 Sep 2023 13:25:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228756-debt-buyers-may-be-liable-for-collectors-actions-court-says</link>
    </item>
    <item>
      <title>Second Circuit Holds CFPB Funding Constitutional </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Second Circuit Court of Appeals’ ruling last month deepens a circuit split on the constitutionality of the CFPB’s funding structure, which is set for hearing before the Supreme Court next term.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227411</guid>
      <pubDate>Mon, 03 Apr 2023 15:37:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227411-second-circuit-holds-cfpb-funding-constitutional-creating-split</link>
    </item>
    <item>
      <title>CFPB Uncovers New ‘Junk Fee’ Charges by Mortgage Servicers</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In a special edition supervisory highlights report, the CFPB revealed old and new ways in which mortgage servicers are attempting to collect unlawful fees from borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227203</guid>
      <pubDate>Mon, 20 Mar 2023 15:20:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227203-cfpb-says-mortgage-servicers-charged-improper-late-fees-pmi-premiums</link>
    </item>
    <item>
      <title> Attorneys Discuss Shifts in FDCPA, FCRA Interpretations</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Appellate courts are rejecting older interpretations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act, while the CFPB is pushing its own readings of them through guidance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227168</guid>
      <pubDate>Mon, 06 Mar 2023 15:22:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227168-attorneys-discuss-shifts-in-fdcpa-fcra-interpretations</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[TransUnion in talks with the CFPB and FTC to settle charges; medical collections declined in the past four years; CHLA seeks exemption for members from CFPB’s “repeat offender” registry.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227047</guid>
      <pubDate>Tue, 21 Feb 2023 13:37:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227047-other-news-in-brief</link>
    </item>
    <item>
      <title>CFPB Proposes Registry of Terms and Conditions</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau seeks to weed out one-sided terms and conditions included in contracts that consumers sign when purchasing a product or signing up for a service from a nonbank. House Financial Services Committee Chair Patrick McHenry, R-NC, slammed the proposal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226738</guid>
      <pubDate>Mon, 23 Jan 2023 14:41:48 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226738-cfpb-proposes-registry-for-nonbank-t-and-cs-waiving-consumer-protections</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[COO held liable for fraud scheme; companies offering negative option subscriptions on alert; NY law firm settles with CFPB; court says CFPB enforcement authority extends to scholarship assistance marketing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226799</guid>
      <pubDate>Mon, 23 Jan 2023 14:32:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226799-other-news-in-brief</link>
    </item>
    <item>
      <title>CFPB, NY Sue Auto Lender Over Unaffordable Loans</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau and the New York Office of the Attorney General are suing Michigan-based auto lender Credit Acceptance Corp. over violations of federal and state consumer protection laws.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226673</guid>
      <pubDate>Mon, 09 Jan 2023 14:17:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226673-cfpb-ny-sue-auto-lender-over-unaffordable-loans-misleading-consumers</link>
    </item>
    <item>
      <title>District Court Refuses Dismissal of PHH Dual-Tracking Allegations</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The servicer argued that the borrower hadn't returned the loan modification agreement in time. But the court said that detail was a matter of factual dispute.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226408</guid>
      <pubDate>Mon, 05 Dec 2022 16:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226408-district-court-refuses-dismissal-of-phh-dual-tracking-allegations</link>
    </item>
    <item>
      <title>'Pay-to-Pay' Fees Under Fire in Court and at Bureau</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[LoanCare agrees to pay $4.5 million to settle a class-action suit centered on whether “convenience” fees for paying by phone or online are allowed in West Virginia. Meanwhile, the bureau is making servicers refund fees for paying by phone. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226295</guid>
      <pubDate>Mon, 21 Nov 2022 15:29:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226295-pay-to-pay-fees-class-action-settled-cfpb-reiterates-ban</link>
    </item>
    <item>
      <title>CFPB Could Fine Wells Fargo $1 Billion, Again</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Wells Fargo and the CFPB are reportedly negotiating over violations in several lines of business at the megabank. Separately, Sen. Elizabeth Warren (D-MA) is continuing her effort to draw attention to fraudulent instant payments. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226292</guid>
      <pubDate>Mon, 21 Nov 2022 15:28:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226292-cfpb-could-fine-wells-fargo-1-billion</link>
    </item>
    <item>
      <title>Employer-Driven Debt RFI Prompts Diverse Responses</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The request for information drew responses from a handful of labor unions and employer trade groups from a variety of industries.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226032</guid>
      <pubDate>Mon, 24 Oct 2022 15:30:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226032-employer-driven-debt-rfi-comments-from-unusual-suspects</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[CSBS names new policy and supervision chief; CFPB studies student banking; bureau sues remittances firm; DOJ settles discrimination claims with bank; Regulation F MVNs are optional; bureau states clearly false data don’t belong on credit reports.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226036</guid>
      <pubDate>Mon, 24 Oct 2022 15:28:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226036-other-news-in-brief</link>
    </item>
    <item>
      <title>Rulemaking Petitions on Personal Loans, Medical Debt Reporting</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Center for Responsible Lending and Consumer Bankers Association have jointly requested rulemaking on personal lending, while the National Consumer Law Center wants rulemaking to prohibit the listing of medical debt on credit reports.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225903</guid>
      <pubDate>Mon, 10 Oct 2022 16:20:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225903-petitions-ask-for-personal-loan-medical-debt-reporting-rules</link>
    </item>
    <item>
      <title>Chopra Open to Idea of Defanging Forced Arbitration </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[While the CFPB has no plans to restrain the use of forced arbitration clauses, Director Rohit Chopra is open to the idea.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225738</guid>
      <pubDate>Mon, 26 Sep 2022 14:08:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225738-chopra-responds-to-pressure-on-defanging-forced-arbitration</link>
    </item>
    <item>
      <title>CFPB Moves to Protect Residents of Nursing Homes</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB said it would no longer tolerate nursing homes requiring caretakers to take on a prospective nursing home resident’s costs of care as a condition of admission.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225631</guid>
      <pubDate>Mon, 12 Sep 2022 15:20:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225631-cfpb-says-nursing-homes-cant-push-resident-debt-onto-caretakers</link>
    </item>
    <item>
      <title>TILA-Required Statements Covered by FDCPA, Appeals Court Says</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[An appeals court has ruled that monthly statements attempting to induce payment on a debt are covered by both the Truth in Lending Act and Fair Debt Collection Practices Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225229</guid>
      <pubDate>Mon, 01 Aug 2022 15:06:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225229-tila-required-statements-covered-by-the-fdcpa-appeals-court-says</link>
    </item>
    <item>
      <title>Convenience Fees Charged by Debt Collectors Are Illegal</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB affirmed that “convenience” fees charged by debt collectors for payments made through certain means are unlawful unless expressly permitted by law. Trade groups are concerned about the possible impact on mortgage servicers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225153</guid>
      <pubDate>Mon, 18 Jul 2022 12:11:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225153-cfpb-says-debt-collector-convenience-fees-are-usually-unlawful</link>
    </item>
    <item>
      <title>Appeals Circuit Rejects Dismissal of FDCPA Claim</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Monthly mortgage statements that contain language suggesting they are attempts to induce payment on a debt can be construed as a debt-related communication under the Fair Debt Collections Practices Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224894</guid>
      <pubDate>Tue, 21 Jun 2022 13:02:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224894-appeals-court-fdcpa-can-cover-some-tila-required-statements</link>
    </item>
    <item>
      <title> Court Reverses Ruling that Favored CitiMortgage</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Ninth Circuit overturned a lower court’s decision that CitiMortgage had accurately responded to a consumer’s dispute over furnished loan information and conducted a reasonable investigation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224772</guid>
      <pubDate>Mon, 06 Jun 2022 13:29:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224772-appeals-court-in-credit-dispute-citi-gave-inaccurate-info</link>
    </item>
    <item>
      <title>Court Rules CashCall Owes CFPB-Requested Penalty</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[While affirming a district court ruling against CashCall, a three-judge panel of the Ninth Circuit Court of Appeals said the California-based lender’s behavior was reckless and justified higher penalties.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224778</guid>
      <pubDate>Mon, 06 Jun 2022 13:27:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224778-9th-circuit-servicer-owes-cfpb-requested-recklessness-penalty</link>
    </item>
    <item>
      <title>CFPB Report Cites Issues With Rising Medical Debt </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A new report shows that medical debt is the most common collections tradeline on consumer credit reports and out of every 100 Americans, between 18 and 35 people have medical debt in collections.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224040</guid>
      <pubDate>Mon, 14 Mar 2022 15:08:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224040-medical-debt-is-common-and-racial-disparities-exist-cfpb-says</link>
    </item>
    <item>
      <title>CFPB’s Guidance on Debt Collection Causing Confusion</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Industry attorneys believe new guidance issued by the CFPB on the debt collection rule that takes effect at the end of the month could end up causing more stress for servicers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222944</guid>
      <pubDate>Mon, 08 Nov 2021 15:14:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222944-cfpb-debt-collection-guidance-could-cause-confusion</link>
    </item>
    <item>
      <title>CFPB Provides Clarifications on Debt Collection Rule</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The bureau answered frequently asked questions about Regulation F, with details on when practices may run afoul of the debt collection rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222673</guid>
      <pubDate>Mon, 11 Oct 2021 16:10:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222673-cfpb-provides-some-clarifications-on-debt-collection-rule</link>
    </item>
    <item>
      <title>CFPB Cracks Down on Unlicensed Debt Collection</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[So far this year, the CFPB has brought 44 enforcement actions, with five against debt collectors. The bureau is currently juggling 30 cases, one of the largest litigation dockets in its history.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/220064</guid>
      <pubDate>Mon, 21 Dec 2020 15:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/220064-cfpb-cracks-down-on-unlicensed-debt-collection</link>
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