On January 6, the Federal Communication Commission’s (FCC) Consumer and Governmental Affairs Bureau issued an order further extending the effective date of the Telephone Consumer Protection Act (TCPA) “revoke-all” requirement in 47 C.F.R. § 64.1200(a)(10) to January 31, 2027. That provision would require callers to treat a revocation of consent made in response to one type of informational call or text message as applying to all future calls and text messages from that caller on unrelated matters. The Bureau found good cause to continue the waiver while the FCC reviews comments filed in response to its 2025 Further Notice of Proposed Rulemaking, which specifically asks whether the revoke-all rule should be modified or replaced to give consumers more tailored control over unwanted calls. The FCC also noted that requiring companies to implement costly, enterprise-wide changes now could result in unnecessary compliance expenditures if the rule is later revised.

On December 22, the National Credit Union Administration (NCUA) updated its Artificial Intelligence (AI) resource page to consolidate key technical and policy references for federally insured credit unions. The page sits within NCUA’s broader cybersecurity and financial technology resources and is explicitly framed as support for evaluating and performing due diligence on third‑party AI vendors. It links AI oversight back to existing NCUA guidance on third‑party relationships, including 07‑CU‑13 (Evaluating Third Party Relationships) and 01‑CU‑20 (Due Diligence Over Third Party Service Providers).

On December 19, 2025, New York Governor Kathy Hochul signed into law the Fostering Affordability and Integrity through Reasonable (FAIR) Business Practices Act. The FAIR Act, which was proposed by Attorney General (AG) Tish James, represents the first major update to the state’s primary consumer protection law in 45 years and significantly broadens the statute’s reach.

In this episode of The Consumer Finance Podcast, Chris Willis is joined by Ted Augustinos and Kim Phan to introduce The Money Matrix, an upcoming webinar series helping financial institutions navigate privacy, data security, and AI in today’s complex digital landscape. The teaser highlights strategies to secure financial data, overcome barriers to adopting AI, and stay ahead of regulatory trends. Each session offers practical guidance to help teams like Neo, Trinity, and Morpheus remain innovative, compliant, and trusted. The series explores how financial institutions can balance innovation with data privacy while leveraging AI responsibly.

According to a recent report by WebRecon, court filings under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Telephone Consumer Protection Act (TCPA), and complaints filed with the Consumer Financial Protection Bureau (CFPB) were all down for the month. Everything is up YTD except TCPA filings, and those are only nominally down.

Today, another significant decision was issued in the ongoing battle over the fate of the Consumer Financial Protection Bureau (CFPB or Bureau). In National Treasury Employees Union (NTEU) v. Vought, the D.C. federal district court granted the plaintiffs’ motion to clarify the existing preliminary injunction and squarely rejected the Department of Justice Office of Legal Counsel’s (OLC) interpretation of the CFPB’s funding statute. In so holding, the ruling makes clear that the CFPB cannot justify noncompliance with the court’s existing preliminary injunction by declining to request funds from the Federal Reserve.

In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso lay out a practical set of 2026 resolutions for dealers and auto finance companies. Chris breaks down why state law compliance should be at the top of your list, from California’s CARS rule and junk fee laws to new disclosure and renewal requirements cropping up across the country. Brooke then shifts to the federal landscape, focusing on the Fed’s recent rate cuts, what a lower-rate environment could mean for auto loan refinancing, and the compliance risks that come with more paperwork. The discussion also tackles the real-world impact of AI — how consumers are using it in disputes and litigation, and how companies must carefully govern their own AI tools, including chatbots. Finally, they underscore the importance of a robust consumer complaint process as an early-warning system and a powerful tool to prevent small issues from turning into lawsuits.

The National Credit Union Administration (NCUA) has submitted a proposed rule to the Office of Management and Budget (OMB) to implement the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. The proposal is not yet public. Once OMB completes its review, the rule will be published in the Federal Register with a public comment period.

On December 19, New York Governor Kathy Hochul signed Senate Bill S1353A creating a new General Business Law article on “actions involving coerced debts.” The law is aimed squarely at survivors of domestic violence, trafficking, and other forms of economic abuse who find themselves saddled with credit card balances, loans, or other consumer debts they never truly agreed to incur. Once effective (90 days after signing), it will prohibit creditors from enforcing certain coerced consumer debts against victims, create a structured process for disputing those debts, and establish robust private rights of action and defenses against collection. New York becomes the eighth state to enact protections of this kind.