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.
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Why Lorman?
Over 38 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
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
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Credit
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Why Lorman?
Over 38 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Credits
OnDemand Course
This course was last revised on October 16, 2025.
Call 1-866-352-9540 for further credit information.
- Arizona CLE 0.75
- The Arizona State Bar does not pre-approve or pre-certify MCLE programs. However, records of this program and attendance will be maintained by Lorman Education Services for auditing purposes. This activity may qualify for up to 0.75 hours toward your annual CLE requirement for the State Bar of Arizona.
- CA MCLE 0.75
- Lorman Education Services is a State Bar of California approved MCLE sponsor and this course qualifies for 0.75 CLE hours of participatory credit.
- CT CLE 0.5
- Neither the Connecticut Judicial Branch nor the Commission on Minimum Continuing Legal Education approve or accredit CLE providers or activities. This course has been approved for CLE credit in jurisdictions aside from CT and therefore it automatically meets the content and delivery requirements in Connecticut. Credit is based on a 60 minute credit hour and shall be awarded as follows: 0.5 CLE credit(s).
- MO CLE 1.3
- This course qualifies for self-study CLE credit in Missouri.
- ND CLE 0.75
- North Dakota CLE policy does not allow for pre-approval of any self-study courses. This course may qualify for up to 0.75 hours of CLE credit.
- NH MCLE 0.9
- NH MCLE does not approve or accredit CLE activities for the NH Minimum CLE requirement. Lorman Education Services believes this Ondemand course meets the requirement of NH Supreme Court Rule 53 and may qualify for CLE credit(s). Program Length: 58 Minutes.
- NJ CLE 1.3
- This program has been approved by the Board on Continuing Legal Education of the Supreme Court of New Jersey for 1.3 hours of total CLE credit.
- WI CLE 0.5
- This program qualifies for 0.5 hour(s) of ondemand CLE through the WI Board of Bar Examiners.
- WV MCLE 1.2
- This program has been approved by the West Virginia State Bar MCLE Commission for 1.2 MCLE hours.
To earn each credit Lorman offers through the OnDemand learning platform, you need to watch 100% of the program. Also, for certain credits you will need to fulfill additional requirements which will be displayed on the "credits" tab when viewing the course.
This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
MP3 Download
- Arizona CLE 1.0
- CA MCLE 1.0
- CT CLE 1.0
- HI CLE 1.0
- MO CLE 1.3
- VT CLE 1.0
- WV MCLE 1.3
This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
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Credit
More Program Information
Why Lorman?
Over 38 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Faculty
Tim Sanders
Credit Repair of Florida
Timothy Sanders
- Founder and president of Credit Repair of Florida
- NACSO Certified Credit Specialist
- Published author of Understanding Your Credit Score
- Seminar speaker and Freddie Mac CreditSmart certified trainer
- Member of the National Association of Credit Service Organizations, National Association of Realtors, Mortgage Bankers Association, National Association of Real Estate Brokers, and UF/IFAS Extension Advisory Committee
- B.A. Degree, University of Central Florida
- Can be contacted at [email protected] or 407-734-3426
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Credit
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Why Lorman?
Over 38 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
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