Leave with actionable compliance strategies and a checklist to implement immediately.
Credit reports are the foundation of lending, underwriting, and consumer trust, but ongoing regulatory changes and litigation trends have created uncertainty for compliance professionals, creditors, and legal practitioners. Many organizations struggle with how to ensure accuracy in reporting, respond appropriately to disputes, and adjust to recent CFPB guidance and shifting standards for medical debt and public record data. These challenges create risk exposure for both regulatory action and consumer lawsuits.
This presentation equips credit and finance professionals with the most up-to-date information on the laws, standards, and litigation affecting credit reporting in 2025. Attendees will gain a practical understanding of how to structure dispute investigations, manage furnishers and vendor oversight, ensure Metro 2 accuracy, and anticipate scoring and underwriting impacts. By attending, participants will leave with actionable compliance strategies and a checklist to implement immediately, reducing risk and improving organizational readiness in today’s evolving credit reporting environment.
Learning Objectives
- You will be able to define the regulatory framework governing consumer credit reporting, including FCRA, FDCPA, and CFPB guidance.
- You will be able to describe what constitutes a reasonable investigation when handling consumer disputes.
- You will be able to identify the latest developments in medical debt and public record reporting requirements.
- You will be able to explain litigation and compliance trends impacting furnishers, CRAs, and lenders.
Agenda
Regulatory and Legal Updates
- Recent CFPB Guidance, Advisories and Enforcement Priorities
- FCRA/FDCPA Intersections Impacting Credit Reporting Practices
- Metro 2 Accuracy Requirements and Regulator Expectations
Accuracy and Dispute Investigations
- What Constitutes a ‘Reasonable Investigation’ Under the FCRA
- Common Failure Points for Furnishers and CRAs in Dispute Handling
- Best Practices for Documenting and Closing out Disputes
Medical Debt and Public Records
- Current Rules for Reporting (or Excluding) Medical Debt
- How Courts and Regulators Are Addressing Consumer Harm From Medical Collections
- Public Records: Bankruptcies, Evictions, Liens-What Remains Reportable and What Has Changed
Scoring and Underwriting Implications
- How Inaccurate or Obsolete Tradelines Affect Scoring Models
- Trended Data’s Role in Underwriting Decisions
- Credit Report Changes Lenders Should Anticipate in 2025 and Beyond
Compliance and Litigation Trends
- Emerging Litigation Themes (Standing, Documentation, Reasonableness Challenges)
- Internal Controls to Reduce Exposure to Consumer Lawsuits and Regulatory Actions
- Practical Compliance Checklist: Policies, Vendor Oversight, Complaint Tracking
Speakers
Tim Sanders,
Credit Repair of Florida- President of Credit Repair of Florida
- Certified Consumer Credit Expert, Certified Consumer Credit Specialist, Professional Credit Consultant
- National Association of Credit Service Organizations, American Fair Credit Council
- B.S. Legal Studies, University of Central Florida, Certified Six Sigma
- University of Florida/IFAS Certified Homebuying Instructor, Seminole County Govt Homebuying Workshop Instructor
- Can be contacted at tim@creditrepairofflorida.com, or 407-734-3426
Who Should Attend
This live webinar is designed for credit analysts, loan officers, attorneys, vice presidents, branch managers, mortgage brokers, loan department personnel, and accountants.
