When you think about call monitoring in collections, what comes to mind? Most people picture someone with a headset, listening quietly in the background, checking off boxes for tone, professionalism, and compliance. That’s a start—but it’s a very narrow slice of what good oversight looks like.
If you want your oversight program to deliver real results—not just satisfy a checklist—you’ve got to dig deeper. Listening is the entry point. What you do after you listen is where the real oversight begins.
As digital assets continue to reshape the financial landscape, regulatory clarity around stablecoins is increasingly vital. The GENIUS Act, signed into law by President Trump in July, establishes the first-ever federal regulatory system for stablecoins and aims to position the U.S. as the global leader in digital assets. This is a historic shift in U.S. digital asset policy, prioritizing consumer protection, financial stability, and national security, while aiming to cement America’s leadership in the global digital currency revolution.
The Federal Deposit Insurance Corporation (FDIC) today released the results of its latest Quarterly Banking Profile, a comprehensive summary of financial results based on reports from 4,421 insured commercial banks and savings institutions. In second quarter 2025, insured depository institutions reported a return on assets (ROA) ratio of 1.13 percent and aggregate net income of $69.9 billion, a decrease of $677.3 million (1 percent) from the prior quarter. Net income for the industry would have increased absent an increase in provision expenses related to a large bank acquisition.
As has been well-documented, the Consumer Financial Protection Bureau (CFPB or Bureau) is navigating a period of significant uncertainty. Just last week, the U.S. Court of Appeals for the District of Columbia vacated a preliminary injunction in the case of National Treasury Employees Union v. CFPB, potentially allowing for substantial layoffs and operational changes within the agency (discussed here). Despite this development, the CFPB briefly released an ambitious rulemaking agenda on the OMB’s Office of Information and Regulatory Affairs website on August 15, which then became inaccessible due to “Site Maintenance.”
On August 13, the U.S. Court of Appeals for the 8th Circuit reversed a lower court’s ruling that awarded damages and attorneys’ fees to a consumer who received a debt collection letter after requesting no further contact. The consumer alleged the letter violated the “ceasing communication” provision — Section 1692c(c) — of the FDCPA. The panel held that receipt of a single, statutorily-required letter sent in response to the consumer’s dispute of a debt did not constitute a “concrete injury” sufficient to establish Article III standing.
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