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		<lastmod>2024-12-10T16:17:00+00:00</lastmod>
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	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-dfpi-seeks-greater-oversight-over-additional-consumer-financial-servicesseeks-comments-on-who-should-be-regulated-next/</loc>
		<lastmod>2024-10-30T19:12:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ca-dfpi-approves-regulations-for-the-registration-of-debt-settlement-companies-and-other-providers/</loc>
		<lastmod>2024-10-17T20:02:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ca-dfpi-submits-third-set-of-proposed-regulations-for-the-registration-of-debt-settlement-companies-and-other-providers/</loc>
		<lastmod>2024-10-17T20:00:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/prepared-remarks-of-julie-margetta-morgan-at-the-healthwatch-wisconsin-medical-debt-symposium/</loc>
		<lastmod>2024-10-17T04:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-tsr-telemarketing-call-recordkeeping-requirements-effective-october-15-2024/</loc>
		<lastmod>2024-10-01T15:33:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-director-chopra-joins-white-house-event-on-medical-debt/</loc>
		<lastmod>2024-10-01T04:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/prepared-remarks-of-cfpb-director-rohit-chopra-at-a-white-house-convening-on-medical-debt/</loc>
		<lastmod>2024-10-01T04:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-advisory-pause-and-review-your-rights-when-you-hear-from-a-medical-debt-collector/</loc>
		<lastmod>2024-10-01T04:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-takes-aim-at-double-billing-and-inflated-charges-in-medical-debt-collection/</loc>
		<lastmod>2024-10-01T04:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-provides-annual-letter-summarizing-debt-collection-activities/</loc>
		<lastmod>2024-09-05T16:24:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-report-highlights-consumer-protection-issues-in-medical-and-rental-debt-collection/</loc>
		<lastmod>2024-09-05T04:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-federal-court-dismisses-tcpa-case-in-contrast-to-similar-recent-case-out-of-new-york/</loc>
		<lastmod>2024-09-03T17:22:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-rule-issued-by-ftc-focuses-on-fake-and-ai-generated-reviews-imposes-heavy-civil-penalties/</loc>
		<lastmod>2024-08-26T16:43:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/colorado-bankruptcy-trustees-target-debt-settlement-service-providers-with-ambitious-interpretation-of-statutory-damages/</loc>
		<lastmod>2024-08-26T16:43:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/career-step-to-pay-43-5-million-in-cash-and-debt-cancellation-to-resolve-charges-it-used-deceptive-advertising-to-lure-servicemembers-and-their-spouses-2/</loc>
		<lastmod>2024-07-30T14:58:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-looks-to-strengthen-its-grip-on-the-payments-industry-through-crusade-on-junk-fees/</loc>
		<lastmod>2024-07-25T18:36:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/innovating-with-caution-new-yorks-ethical-guidelines-for-lawyers-investing-in-abs/</loc>
		<lastmod>2024-07-24T15:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/mid-year-tcpa-roundup-navigating-recent-legislative-and-litigation-developments/</loc>
		<lastmod>2024-07-17T16:53:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/imminent-cfpb-rule-to-intensify-scrutiny-on-buy-now-pay-later-services/</loc>
		<lastmod>2024-07-08T21:26:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/u-s-supreme-court-reigns-in-federal-agency-powers/</loc>
		<lastmod>2024-07-02T14:00:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-exams-find-loan-servicing-failures-illegal-debt-collection-practices-and-issues-with-medical-payment-products/</loc>
		<lastmod>2024-07-02T04:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-acts-to-stop-student-loan-debt-relief-scheme-that-took-millions-from-consumers-in-first-case-under-the-impersonation-rule/</loc>
		<lastmod>2024-06-28T16:15:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-issues-interim-final-rule-adjusting-compliance-timelines-for-small-business-lending-data-collection-requirements/</loc>
		<lastmod>2024-06-26T20:01:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-regulatory-and-legal-considerations-for-a-debt-settlement-companys-oversight-of-front-ends/</loc>
		<lastmod>2024-06-10T18:05:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-overview-of-the-latest-tsr-amendment-applicable-to-all-telemarketers-and-sellers/</loc>
		<lastmod>2024-06-10T18:05:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-a-regulatory-overview-of-consumer-loan-brokering-in-the-debt-relief-space/</loc>
		<lastmod>2024-06-10T18:05:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-to-begin-tracking-repeat-offenders-through-national-registry/</loc>
		<lastmod>2024-06-10T18:04:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-york-federal-appellate-court-narrowly-interprets-tcpa-huge-win-for-the-defense-bar/</loc>
		<lastmod>2024-05-16T15:15:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-bans-for-profit-non-competes-surprisingly-bold-move-in-an-election-year/</loc>
		<lastmod>2024-04-25T18:06:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-action-leads-to-industry-ban-for-ringleader-of-student-loan-debt-relief-scam/</loc>
		<lastmod>2024-04-17T01:07:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-casts-larger-net-over-credit-data-brokers-furnishers-and-reporting-agencies/</loc>
		<lastmod>2024-04-09T17:34:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ca-regulatory-alert-dfpi-proposes-registration-requirements-for-the-debt-settlement-industry/</loc>
		<lastmod>2024-03-20T17:04:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sends-more-than-4-1-million-in-refunds-to-people-who-lost-money-to-student-loan-debt-relief-scheme/</loc>
		<lastmod>2024-03-13T20:16:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-advisory-opportunity-to-cancel-student-loan-debt-ends-soon/</loc>
		<lastmod>2024-03-11T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/federal-court-clarifies-narrow-face-to-face-exemption-to-tsr-advance-fee-prohibition-immediately-bans-defendants-from-charging-or-collecting-upfront-fees/</loc>
		<lastmod>2024-03-05T20:09:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/fcc-bans-ai-generated-voices-in-robocalls-effective-immediately/</loc>
		<lastmod>2024-02-08T21:42:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-files-proposed-orders-to-ban-student-debt-relief-companies-for-illegal-junk-fees-and-upfront-fees/</loc>
		<lastmod>2024-02-07T20:07:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-action-leads-to-permanent-ban-for-scammers-who-charged-students-seeking-debt-relief-with-junk-fees-2/</loc>
		<lastmod>2024-02-07T01:26:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-action-leads-to-permanent-ban-for-scammers-who-charged-students-seeking-debt-relief-with-junk-fees/</loc>
		<lastmod>2024-02-07T01:26:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-and-state-ags-prosecute-debt-relief-companies-and-law-firms/</loc>
		<lastmod>2024-02-02T17:50:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-continues-war-on-junk-fees-for-instantaneously-declined-transactions/</loc>
		<lastmod>2024-01-29T17:58:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-and-seven-state-attorneys-general-sue-debt-relief-enterprise-strategic-financial-solutions-for-illegally-swindling-more-than-100-million-from-financially-struggling-families/</loc>
		<lastmod>2024-01-19T10:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-jersey-proposes-legislation-to-expand-debt-adjustment-licensing-to-for-profit-entities-passes-both-houses-and-awaits-governor-approval/</loc>
		<lastmod>2024-01-10T15:03:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/are-you-using-autopay-the-right-way-felix-shipkevich-featured-in-consumeraffairs-article/</loc>
		<lastmod>2024-01-08T18:35:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/2023-regulatory-recap-of-the-debt-settlement-industry-activity-and-2024-regulatory-forecast/</loc>
		<lastmod>2023-12-20T17:51:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-shuts-down-commonwealth-financial-systems-for-illegal-debt-collection-practices/</loc>
		<lastmod>2023-12-15T10:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/the-regulatory-landscape-of-prepaid-legal-plans/</loc>
		<lastmod>2023-12-07T19:21:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/end-of-the-year-for-the-cfpb-not-yet-another-order-obtained-against-a-student-loan-service-provider/</loc>
		<lastmod>2023-11-21T16:53:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/felix-shipkevich-publishes-new-textbook-on-cryptocurrency-law/</loc>
		<lastmod>2023-11-17T19:45:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-provides-annual-letter-on-debt-collection-activities/</loc>
		<lastmod>2023-11-17T00:33:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-report-highlighting-consumer-protection-issues-in-medical-debt-collection/</loc>
		<lastmod>2023-11-16T10:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-takes-another-decisive-action-against-nonbank-payment-system/</loc>
		<lastmod>2023-10-26T16:25:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/sollers-college-to-cancel-3-4-million-in-student-debt-to-resolve-charges-it-used-deceptive-ads-to-lure-prospective-students-into-illegal-contracts-2/</loc>
		<lastmod>2023-10-18T22:21:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-the-regulatory-landscape-of-prepaid-legal-plans/</loc>
		<lastmod>2023-10-12T17:30:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/student-loan-debt-relief-scammers-permanently-banned-from-industry-ordered-to-turn-over-assets-under-proposed-order-3/</loc>
		<lastmod>2023-10-06T18:22:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/student-loan-debt-relief-scammers-permanently-banned-from-industry-ordered-to-turn-over-assets-under-proposed-order-2/</loc>
		<lastmod>2023-10-06T18:22:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/student-loan-debt-relief-scammers-permanently-banned-from-industry-ordered-to-turn-over-assets-under-proposed-order/</loc>
		<lastmod>2023-10-06T18:22:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/prepared-remarks-of-cfpb-director-rohit-chopra-on-medical-debt-at-a-press-call-hosted-by-vice-president-kamala-harris/</loc>
		<lastmod>2023-09-21T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/minnesotas-ag-raids-student-loan-debt-relief-industry-operating-within-the-state/</loc>
		<lastmod>2023-09-11T17:08:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-and-doj-send-more-than-9-million-in-refunds-to-people-who-lost-money-to-a-student-loan-debt-relief-scheme/</loc>
		<lastmod>2023-08-22T19:13:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-stops-scammers-charged-with-preying-on-students-seeking-debt-relief/</loc>
		<lastmod>2023-08-22T00:40:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-exposes-illegal-practices-in-consumer-financial-services-what-to-know/</loc>
		<lastmod>2023-07-27T19:17:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/debt-settlement-industry-legislative-update-new-york-state-senator-introduced-assembly-bill-a3525/</loc>
		<lastmod>2023-07-21T18:22:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-launches-massive-operation-stop-scam-calls-initiative-focusing-on-consent-farm-lead-generators-and-robocallers/</loc>
		<lastmod>2023-07-20T18:06:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-report-shows-workers-face-risks-from-employer-driven-debt/</loc>
		<lastmod>2023-07-20T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/reminder-tcpa-regulations-impacting-autodialers-come-into-effect-july-20-2023/</loc>
		<lastmod>2023-07-17T19:31:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/junk-fee-deja-vu-cfpb-hits-bank-of-america-with-huge-30-million-penalty-for-allegedly-engaging-in-deceptive-acts-and-practices/</loc>
		<lastmod>2023-07-11T19:18:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-goes-after-fake-reviews-to-protect-consumers-but-what-about-protecting-the-merchants/</loc>
		<lastmod>2023-07-06T15:02:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-takes-aggressive-approach-toward-amazon-alleging-consumer-protection-type-violations-are-the-lines-between-ftc-and-cfpb-beginning-to-blur/</loc>
		<lastmod>2023-06-27T14:29:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-awards-3-3-million-to-victims-of-deceptive-student-loan-debt-relief-scheme/</loc>
		<lastmod>2023-06-15T17:14:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sends-more-than-3-3-million-to-consumers-harmed-by-student-loan-debt-relief-scam/</loc>
		<lastmod>2023-06-14T19:22:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/shipkevich-pllc-launches-compliance-journal-a-cutting-edge-legal-database-for-regulated-financial-industries/</loc>
		<lastmod>2023-06-13T16:22:29+00:00</lastmod>
		<image:image>
			<image:loc>https://debtreliefwatch.shipkevich.com/wp-content/uploads/2023/06/compliance-journal-web-mockup.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-takes-action-against-phoenix-financial-services-for-illegal-medical-debt-collection-and-credit-reporting-practices/</loc>
		<lastmod>2023-06-08T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-warns-consumers-to-be-cautious-of-high-yield-savings-accounts-with-fintech-savings-accounts-perhaps-a-new-focus-for-the-cfpb/</loc>
		<lastmod>2023-06-05T16:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-continues-to-target-consumer-lending-activity-imposes-20-million-penalty/</loc>
		<lastmod>2023-05-31T17:07:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sues-voip-service-provider-for-allegedly-aiding-and-abetting-illegal-telemarketing-robocalls/</loc>
		<lastmod>2023-05-16T18:45:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/judge-calls-out-tcpa-frequent-filer-far-from-plaintiffs-first-rodeo/</loc>
		<lastmod>2023-05-11T17:13:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-obtains-temporary-injunction-against-two-student-loan-debt-relief-companies/</loc>
		<lastmod>2023-05-09T17:10:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-stops-student-loan-debt-relief-schemes-that-it-says-bilked-students-out-of-millions/</loc>
		<lastmod>2023-05-08T21:29:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-obtains-multiple-orders-banning-credit-card-debt-relief-scheme-as-alleged-in-the-lawsuit/</loc>
		<lastmod>2023-05-02T18:03:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-lawsuit-leads-to-permanent-ban-from-debt-relief-telemarketing-for-operators-of-debt-relief-scam/</loc>
		<lastmod>2023-05-01T20:32:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/action-by-ftc-and-pennsylvania-leads-to-permanent-ban-for-debt-collectors-that-targeted-businesses-non-profits-first-responders/</loc>
		<lastmod>2023-04-26T21:31:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-issues-advisory-opinion-on-debt-collection-practices/</loc>
		<lastmod>2023-04-26T18:01:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/prepared-remarks-of-director-rohit-chopra-on-zombie-mortgage-debt/</loc>
		<lastmod>2023-04-26T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-proposed-order-lifetime-ban-for-telemarketing-operators-of-extended-vehicle-warranty-scams/</loc>
		<lastmod>2023-04-10T14:05:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-releases-new-policy-statement-on-abusive-practices-what-you-need-to-know/</loc>
		<lastmod>2023-04-05T15:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-proposes-order-in-massive-action-against-debt-collection-company/</loc>
		<lastmod>2023-03-29T17:24:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/north-carolina-state-legislators-introduce-an-act-to-modernize-and-expand-the-prohibition-of-debt-settlement/</loc>
		<lastmod>2023-03-28T16:55:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-dfpi-proposes-regulation-to-implement-registration-requirements-for-entities-covered-under-california-consumer-financial-protection-law-%c2%a7-9009/</loc>
		<lastmod>2023-03-28T14:30:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-orders-repeat-offender-portfolio-recovery-associates-to-pay-more-than-24-million-for-continued-illegal-debt-collection-practices-and-consumer-reporting-violations/</loc>
		<lastmod>2023-03-23T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-issues-bulletin-to-warn-student-loan-servicers-who-ignore-bankruptcy-court-orders/</loc>
		<lastmod>2023-03-22T21:19:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-announces-inquiry-into-data-brokers-seeking-public-input-on-business-practices/</loc>
		<lastmod>2023-03-16T17:31:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/californias-dfpi-cracks-down-on-student-debt-relief-scams/</loc>
		<lastmod>2023-03-02T21:57:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sues-stratics-and-debt-relief-companies-that-hired-robocallers/</loc>
		<lastmod>2023-02-22T18:37:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sues-to-stop-interconnected-web-of-voip-service-providers-carrying-robocalls-pitching-phony-debt-relief-services-3/</loc>
		<lastmod>2023-02-17T20:46:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-proposed-new-rule-to-establish-public-registry-of-take-it-or-leave-it-contract-terms-and-conditions/</loc>
		<lastmod>2023-02-14T15:56:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/fcc-amends-tcpa-rules-effective-july-20-2023/</loc>
		<lastmod>2023-02-14T15:55:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-york-state-senators-introduce-assembly-bill-a3525-2/</loc>
		<lastmod>2023-02-03T16:17:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-proposes-new-rule-to-curb-excessive-credit-card-late-fees/</loc>
		<lastmod>2023-02-01T17:11:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-proposes-ban-on-employee-non-compete-clauses/</loc>
		<lastmod>2023-02-01T17:09:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/massachusetts-state-legislator-introduces-an-act-relative-to-the-licensing-and-supervision-of-debt-management-services-in-the-commonwealth/</loc>
		<lastmod>2023-01-23T18:56:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-takes-action-to-halt-debt-collection-mill-from-bombarding-consumers-with-junk-lawsuits/</loc>
		<lastmod>2023-01-11T10:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-issues-report-on-transunion-experian-and-equifax/</loc>
		<lastmod>2023-01-05T15:48:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/fcc-rules-ringless-voicemails-fall-under-tcpa-and-require-consumer-consent/</loc>
		<lastmod>2023-01-02T20:27:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-york-legis-660-additional-requirements-for-telemarketers-what-you-should-know/</loc>
		<lastmod>2023-01-02T20:27:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/u-s-district-court-for-the-middle-district-of-tennessee-grants-ftcs-motion-to-temporarily-shut-down-alleged-credit-card-debt-relief-scheme/</loc>
		<lastmod>2023-01-02T20:27:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-issues-proposed-rule-imposing-reporting-requirements-on-certain-non-bank-entities-possible-implications-for-money-transmitter-debt-relief-and-cfpa-repair-service-providers/</loc>
		<lastmod>2022-12-14T15:20:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-halts-debt-relief-scheme-that-bilked-millions-from-consumers-while-leaving-many-deeper-in-debt/</loc>
		<lastmod>2022-11-30T21:11:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/californias-northern-district-court-holds-text-messages-are-not-pre-recorded-or-artificial-voices-under-the-federal-tcpa/</loc>
		<lastmod>2022-11-28T20:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-circular-clarifies-consumer-reporting-agencies-and-furnishers-of-information-can-be-liable-under-fair-credit-reporting-act-for-failing-to-investigate-disputes-and-attempting-to-deter-consumers-fr/</loc>
		<lastmod>2022-11-18T20:20:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/florida-middle-district-court-finds-receiving-pre-recorded-voice-messages-insufficient-basis-for-standing-to-bring-class-action-suit-alleging-tcpa-violation/</loc>
		<lastmod>2022-11-15T20:44:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/fifth-circuit-court-of-appeals-finds-cfpb-funding-mechanism-unconstitutional-violation-of-appropriations-clause/</loc>
		<lastmod>2022-10-21T16:41:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/federal-tcpa-regulatory-overview/</loc>
		<lastmod>2022-10-18T14:46:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/florida-tcpa-overview-2022/</loc>
		<lastmod>2022-10-13T15:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/2022-tcpa-recent-recap-litigation-updates-regulatory-round-up/</loc>
		<lastmod>2022-10-04T15:32:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-jersey-proposed-legislation-seeks-to-expand-debt-adjustment-licensing-to-for-profit-entities/</loc>
		<lastmod>2022-09-27T17:19:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/fdic-issues-guidance-to-financial-institutions-charging-nsf-fees-following-findings-of-ftc-act-violations%ef%bf%bc/</loc>
		<lastmod>2022-09-19T14:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-and-centers-for-medicare-and-medicaid-services-take-action-to-protect-caregivers-and-families-from-illegal-nursing-home-debt-collection-practices/</loc>
		<lastmod>2022-09-08T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/director-chopras-prepared-remarks-at-the-cfpb-field-hearing-on-nursing-home-debt-collection-practices/</loc>
		<lastmod>2022-09-08T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-report-details-family-finances-and-debt-in-rural-appalachia/</loc>
		<lastmod>2022-09-01T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-assembly-bill-no-2424-seeks-to-amend-the-ca-credit-services-act/</loc>
		<lastmod>2022-08-29T18:21:28+00:00</lastmod>
	</url>
</urlset>
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