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The State of Consumer Credit Reporting
- 17
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10:00 AM PST | 01:00 PM EST
Duration: 60 Mins
Webinar ID
IQW26K1166
Level
Intermediate
Speaker
- Regulatory landscape: CFPB advisories, enforcement trends, and the shift toward proactive compliance.
- FCRA and FDCPA intersections, with emphasis on Metro 2 accuracy expectations.
- What qualifies as a reasonable dispute investigation and the most common failure points.
- Best practices for CRA dispute handling and documentation that holds up under scrutiny.
- Medical debt reporting changes, including removal thresholds and No Surprises Act compliance.
- Public records reporting trends for bankruptcies, evictions, and liens/judgments.
- Scoring and underwriting impacts, including trended data and anticipated credit report changes.
Overview of the webinar
Consumer credit reporting has changed more in the past two years than in the prior decade, and the pace is accelerating. This session, The State of Consumer Credit Reporting, walks through the regulatory and legal developments reshaping the credit reporting landscape and what they mean in practice. It opens with the current regulatory landscape, including CFPB advisories, enforcement trends targeting furnishers with weak dispute practices, and the industry's move toward proactive compliance. From there, the session examines the intersection of the FCRA and FDCPA, with particular attention to Metro 2 accuracy expectations, since regulators are increasingly treating Metro 2 deviations as evidence of inaccuracy. The session then turns to disputes, unpacking what actually qualifies as a reasonable investigation, the common failure points that recur across cases such as ignoring consumer-provided evidence and over-relying on automated verification, and best practices for documentation that withstand scrutiny. A significant portion of the session addresses medical debt and public records, covering the removal of paid and small-balance medical collections, No Surprises Act compliance, and the shrinking footprint of evictions, liens, and judgments on credit reports. The session closes with scoring and underwriting implications, including how a single inaccurate tradeline can swing a score by 20 to over 100 points, the shift toward trended data in underwriting, and the credit report changes professionals and consumers should anticipate as junk data is removed and alternative data and AI models play a larger role. Delivered by Timothy Sanders, a Certified Credit Counselor and Certified Financial Wellness Coach with nearly two decades of experience in consumer credit, this session is designed to keep both legal professionals and consumers current on a fast-moving area of compliance.
Who should attend?
- Compliance Officers
- Consumer Protection Attorneys
- Credit Risk Managers
- Furnisher and CRA Compliance Staff
- Credit Counselors
- Regulatory Compliance Professionals
- Collections and Recovery Professionals
Why should you attend?
Consumer credit reporting is under intense regulatory pressure, and the rules governing accuracy, disputes, and data furnishing are shifting fast. This session gives attendees a current, practical picture of where the CFPB and the courts are focused right now: reinforced accuracy expectations tied to Metro 2 standards, a rising bar for what counts as a reasonable dispute investigation, the rapid retreat of medical debt and certain public records from credit files, and the growing role of trended data in underwriting decisions. Attendees will leave with a clear understanding of the common failure points that create liability for furnishers and CRAs, documentation practices that hold up under scrutiny, and the practical steps consumers and the professionals who serve them can take to protect against inaccurate reporting. Whether you advise clients on credit disputes, manage furnisher or CRA compliance, or simply want a current view of where consumer credit reporting is headed, this session translates fast-moving regulatory developments into concrete, actionable guidance.
Faculty - Mr.Tim Sanders
Tim Sanders is the Founder & CEO of Credit Repair of Florida, based in Winter Springs, FL. He is a continuing legal education (CLE) speaker and compliance trainer specializing in consumer credit reporting, the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA), Metro 2/e-OSCAR reporting systems, CFPB regulatory developments, and the emerging liability risks of AI and automation in credit decisioning and debt collection. Tim regularly delivers accredited training programs through Lorman Education Services and ComplianceIQ, helping legal and compliance professionals navigate the intersection of consumer protection law and financial technology.