The Eleventh Circuit recently weighed in on a common practice—reporting debts subject to bankruptcy. In the process of so doing, the opinion in Losch v. Nationstar Mortgage LLC provided litigants some key insights in Fair Credit Reporting Act (“FCRA”) compliance and litigation strategies, as well as adding another wrinkle in the growing complexity of standing

Two weeks ago, we attended the ACA International Annual Convention in Nashville.  One of the more interesting discussions focused on compliance lessons creditors and debt collectors can take away from recent court decisions.

Some of them were easy. For example, in Armata v. Target Corp., 2018 WL 3097094 (Mass. Sup. Ct. June 25, 2018),

In a recent opinion, the Ninth Circuit held a plaintiff lacked Article III standing under Spokeo for her complaint on behalf of herself and a putative class action alleging violations of the Fair Credit Reporting Act (“FCRA”) against the National Park Service (the “NPS”). In Daniel v. National Park Service, No. 16-35689 (9th Cir.

In 2010, Congress enacted the Dodd-Frank Act, which created the largely independent Consumer Financial Protection Bureau (“CFPB”) and empowered it with broad authority to investigate violations of consumer financial protection laws, including the Fair Credit Reporting Act (“FCRA”).  Since then, the CFPB has grown in size and budget every year, along with an attendant annual