This article examines the most significant 2025 Fair Debt Collection Practices Act (FDCPA) developments, including summaries of all reported FDCPA circuit court of appeals decisions, a discussion of withdrawn guidance at the CFPB, and the just-released Eleventh Edition of NCLC’s Fair Debt Collection treatise.

A recent Tenth Circuit ruling largely bans Colorado lenders from using rent-a-bank schemes to evade the state's usury caps. A new NCLC Digital Library article explains the decision and details strategies for challenging rent-a-bank loans in other states. Such strategies include arguing that the bank is not the true lender, that there are limits on rate exportation, and that the loan may still have to comply with non-interest credit law of the state of the consumer’s residence.

Important new rules go into effect on December 1 to protect homeowners who use chapter 13 bankruptcies to stave off foreclosures and keep themselves current on their mortgages. A new NCLC Digital Library article explains eight ways that the new rules protect such homeowners by giving them information needed to successfully complete a cure plan and emerge from chapter 13 without surprise, undisclosed fees, or payment amounts due.

This article lists federal and state consumer law changes scheduled to go into effect or expire in 2026. Of special note are extensive changes to student loan rights, bankruptcy amendments affecting mortgages, sunset of exemptions from taxability for forgiven mortgage and student loan debt, and state laws dealing with automobile sales and coerced debt. State law changes are noted in 30 states.