FCRA / FDCPA
State Attorneys General Are Stepping Into the FDCPA Enforcement Gap the CFPB Left Behind
As the CFPB cuts examinations by 40 percent, attorneys general in New York, California, Illinois, and Colorado are pursuing debt collection violations the federal bureau has deprioritized. The enforcement geography is shifting fast — and debt collectors need to understand the new map.
FCRA Litigation Surged 47 Percent in January 2026 Even as CFPB Enforcement Pulled Back
FCRA lawsuits jumped nearly 50 percent year over year in January 2026 while the CFPB conducted its fewest examinations in years. The data confirms what practitioners have been saying: federal regulatory retreat does not reduce compliance risk when the private right of action is intact.
CFPB Restructuring Plan Would Cut Examinations by 40 Percent — What It Means for Furnishers and CRAs
Acting CFPB Director Vought's workforce restructuring plan projects 64 examinations in 2026, down from 107 in 2024. For furnishers and consumer reporting agencies, the question is not whether federal oversight is declining — it is what fills the void.