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		<lastmod>2022-05-09T14:28:27+00:00</lastmod>
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		<lastmod>2022-04-26T15:57:28+00:00</lastmod>
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		<lastmod>2022-04-25T15:05:45+00:00</lastmod>
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		<lastmod>2022-04-12T18:04:00+00:00</lastmod>
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		<lastmod>2022-04-12T17:59:07+00:00</lastmod>
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		<lastmod>2022-04-12T17:59:06+00:00</lastmod>
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		<lastmod>2022-04-12T17:59:04+00:00</lastmod>
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		<lastmod>2022-04-12T17:59:03+00:00</lastmod>
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		<lastmod>2022-04-12T17:59:01+00:00</lastmod>
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		<lastmod>2022-04-12T17:58:24+00:00</lastmod>
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		<lastmod>2022-04-12T17:58:22+00:00</lastmod>
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		<lastmod>2022-04-12T17:57:31+00:00</lastmod>
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		<lastmod>2022-04-12T17:57:13+00:00</lastmod>
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		<lastmod>2022-04-01T20:16:31+00:00</lastmod>
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		<lastmod>2022-03-23T16:28:32+00:00</lastmod>
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		<lastmod>2022-03-23T16:26:51+00:00</lastmod>
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		<lastmod>2022-03-09T14:56:36+00:00</lastmod>
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		<lastmod>2021-11-18T19:16:50+00:00</lastmod>
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		<lastmod>2021-10-26T16:21:42+00:00</lastmod>
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		<lastmod>2021-10-26T16:21:34+00:00</lastmod>
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		<lastmod>2021-10-26T16:21:22+00:00</lastmod>
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		<loc>https://debtreliefwatch.shipkevich.com/funder-and-servicer-of-online-trading-academy-payment-plans-will-forgive-debt-in-settlement-with-ftc/</loc>
		<lastmod>2021-10-26T16:20:31+00:00</lastmod>
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	<url>
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		<lastmod>2021-10-13T21:22:37+00:00</lastmod>
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	<url>
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		<lastmod>2021-10-08T13:46:50+00:00</lastmod>
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		<lastmod>2021-09-01T14:25:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sending-more-than-147000-in-refunds-to-people-affected-by-student-loan-debt-relief-scam/</loc>
		<lastmod>2021-08-16T16:43:37+00:00</lastmod>
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	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-charges-two-florida-based-companies-with-helping-student-debt-relief-scammers/</loc>
		<lastmod>2021-08-16T16:43:23+00:00</lastmod>
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	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-confirms-effective-date-for-debt-collection-final-rules/</loc>
		<lastmod>2021-08-16T16:42:52+00:00</lastmod>
	</url>
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		<loc>https://debtreliefwatch.shipkevich.com/ftc-sends-nearly-2-3-million-in-refunds-to-people-who-lost-money-to-credit-card-debt-relief-schemes/</loc>
		<lastmod>2021-08-16T16:42:45+00:00</lastmod>
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		<lastmod>2021-08-16T16:37:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/regulatory-alert-july-20-2021/</loc>
		<lastmod>2021-07-20T17:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-takes-action-against-debt-settlement-company-for-charging-consumers-unlawful-fees/</loc>
		<lastmod>2021-07-07T19:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/operators-of-student-loan-debt-relief-scheme-banned-from-providing-debt-relief-services-as-part-of-settlement-with-ftc/</loc>
		<lastmod>2021-07-07T19:16:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sends-refunds-to-people-who-lost-money-to-student-loan-mortgage-debt-relief-scheme/</loc>
		<lastmod>2021-07-07T19:16:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sends-checks-to-people-who-lost-money-to-student-loan-debt-relief-scheme/</loc>
		<lastmod>2021-07-07T19:15:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-takes-action-against-company-and-its-owners-and-executives-for-deceptive-debt-relief-and-credit-repair-services/</loc>
		<lastmod>2021-07-07T19:15:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/regulatory-workshop-for-debt-relief-industry-professionals/</loc>
		<lastmod>2021-07-07T19:07:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/regulatory-alert-july-2-2021/</loc>
		<lastmod>2021-07-02T13:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-assembly-bill-no-1405-to-establish-fair-debt-settlement-practices-act-approved-by-cas-house-of-representatives/</loc>
		<lastmod>2021-06-03T19:17:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/the-u-s-senate-passes-resolution-to-repeal-the-occs-true-lender-rule/</loc>
		<lastmod>2021-05-25T14:13:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-reaches-5-4-million-settlement-with-debt-settlement-company-for-charging-consumers-unlawful-fees/</loc>
		<lastmod>2021-05-18T18:16:04+00:00</lastmod>
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	<url>
		<loc>https://debtreliefwatch.shipkevich.com/partner-krystina-endara-joins-shipkevich-pllc-to-spearhead-the-firms-expansion-into-the-miami-market/</loc>
		<lastmod>2021-05-10T15:41:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-assembly-bill-no-1405-to-establish-fair-debt-settlement-practices-act-again-amended-in-assembly-on-april-20-2021/</loc>
		<lastmod>2021-04-21T20:24:53+00:00</lastmod>
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	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-assembly-members-amend-introduced-bill-relating-to-consumer-debt-relief/</loc>
		<lastmod>2021-03-26T22:09:28+00:00</lastmod>
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	<url>
		<loc>https://debtreliefwatch.shipkevich.com/student-loan-pro-sued-for-an-unlawful-student-loan-debt-relief-scheme/</loc>
		<lastmod>2021-03-19T12:28:46+00:00</lastmod>
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	<url>
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		<lastmod>2021-03-10T18:25:17+00:00</lastmod>
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	<url>
		<loc>https://debtreliefwatch.shipkevich.com/nc-bill-to-modernize-and-expand-the-prohibition-of-debt-settlement-unanimously-approved-by-the-house-of-representatives/</loc>
		<lastmod>2021-03-10T18:24:43+00:00</lastmod>
	</url>
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		<loc>https://debtreliefwatch.shipkevich.com/shipkevich-pllc-releases-complimentary-ebook-on-u-s-consumer-debt-industry-overview-laws-and-regulations/</loc>
		<lastmod>2021-03-09T19:14:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/regulatory-update-ma-state-legislator-introduces-an-act-relative-to-the-licensing-and-supervision-of-debt-management-services-in-the-commonwealth/</loc>
		<lastmod>2021-02-18T16:58:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/nc-state-legislators-introduce-a-bill-to-modernize-and-expand-the-prohibition-of-debt-settlement/</loc>
		<lastmod>2021-02-18T16:56:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/regulatory-update-new-york-state-senators-introduce-assembly-bill-a3525/</loc>
		<lastmod>2021-02-05T21:52:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-york-state-senators-introduce-assembly-bill-a3525/</loc>
		<lastmod>2021-01-29T18:54:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/president-biden-to-nominate-rohit-chopra-to-consumer-financial-protection-bureau-cfpb/</loc>
		<lastmod>2021-01-20T22:12:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-issues-final-rule-on-consumer-disclosures-related-to-debt-collection/</loc>
		<lastmod>2021-01-20T22:12:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-sues-debt-settlement-company-fdatr-inc-and-owners-dean-tucci-and-kenneth-wayne-halverson/</loc>
		<lastmod>2021-01-20T22:12:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/student-loan-debt-relief-scammer-brandon-frere-agrees-to-settle-ftc-charges/</loc>
		<lastmod>2021-01-20T22:12:48+00:00</lastmod>
	</url>
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		<loc>https://debtreliefwatch.shipkevich.com/ftc-stops-debt-collectors-alleged-debt-parking-scheme-requires-it-to-delete-debts-it-placed-on-consumers-credit-reports/</loc>
		<lastmod>2021-01-20T22:12:48+00:00</lastmod>
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	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-debt-collector-for-engaging-in-deceptive-debt-collection-practices-in-three-states/</loc>
		<lastmod>2021-01-20T22:12:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-sues-debt-collector-bounceback-inc/</loc>
		<lastmod>2021-01-20T22:12:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/the-potential-trajectory-of-cfpb-in-2021-under-the-biden-administration-and-the-recent-issuance-of-the-cfpbs-finalized-advisory-opinions-policy/</loc>
		<lastmod>2020-12-08T16:43:06+00:00</lastmod>
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		<loc>https://debtreliefwatch.shipkevich.com/what-bidens-election-could-mean-for-student-loans/</loc>
		<lastmod>2020-11-13T22:34:23+00:00</lastmod>
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		<loc>https://debtreliefwatch.shipkevich.com/the-average-gen-xer-has-32878-in-non-mortgage-debt-heres-how-they-compare-to-other-generations/</loc>
		<lastmod>2020-11-13T22:33:18+00:00</lastmod>
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		<loc>https://debtreliefwatch.shipkevich.com/ftc-settlement-requires-online-trading-academy-to-forgive-consumer-debt-and-principals-to-turn-over-millions-in-cash-and-assets/</loc>
		<lastmod>2020-11-13T22:31:08+00:00</lastmod>
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	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-ftc-state-and-federal-law-enforcement-partners-announce-nationwide-crackdown-on-phantom-and-abusive-debt-collection/</loc>
		<lastmod>2020-11-13T22:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-state-and-federal-law-enforcement-partners-announce-nationwide-crackdown-on-phantom-and-abusive-debt-collection/</loc>
		<lastmod>2020-11-13T22:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-acts-to-shut-down-unlawful-debt-collection-operation/</loc>
		<lastmod>2020-11-13T22:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-lawsuit-with-debt-collectors-and-debt-buyers-encore-capital-group-midland-funding-midland-credit-management-and-asset-acceptance-capital-corp/</loc>
		<lastmod>2020-11-13T22:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-issues-final-rule-to-implement-the-fair-debt-collection-practices-act/</loc>
		<lastmod>2020-11-13T22:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-takes-action-against-debt-relief-business-and-its-owner-for-taking-illegal-advance-fees/</loc>
		<lastmod>2020-11-13T22:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-announces-settlement-with-debt-collector-for-credit-reporting-violation/</loc>
		<lastmod>2020-11-13T22:31:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-overview-of-legal-and-regulatory-issues-of-payments-processors-in-the-debt-settlement-industry/</loc>
		<lastmod>2020-10-21T14:15:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-eighth-mortgage-company-to-address-deceptive-loan-advertisements-sent-to-servicemembers-and-veterans/</loc>
		<lastmod>2020-10-15T13:41:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-third-mortgage-company-to-address-deceptive-loan-advertisements-sent-to-servicemembers-and-veterans/</loc>
		<lastmod>2020-10-15T13:40:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-fifth-mortgage-company-to-address-deceptive-loan-advertisements-sent-to-servicemembers-and-veterans/</loc>
		<lastmod>2020-10-15T13:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-sixth-mortgage-company-to-address-deceptive-loan-advertisements-sent-to-servicemembers-and-veterans/</loc>
		<lastmod>2020-10-15T13:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/credit-cards-that-absorb-existing-debt-are-fast-disappearing/</loc>
		<lastmod>2020-10-15T13:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/study-alabama-consumers-pay-down-millions-in-credit-card-debt-in-first-half-of-2020/</loc>
		<lastmod>2020-10-15T13:37:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-and-multiple-states-enter-into-settlement-with-owner-of-itt-private-loans-for-substantially-assisting-itt-in-unfair-practices/</loc>
		<lastmod>2020-10-15T13:35:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/company-charged-with-posing-as-sba-lender-settles-ftc-charges-and-ceases-using-sba-loan-program-website-and-business-name/</loc>
		<lastmod>2020-10-15T13:35:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-fourth-mortgage-company-to-address-deceptive-loan-advertisements-sent-to-servicemembers-and-veterans/</loc>
		<lastmod>2020-10-15T13:34:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-proposes-new-category-of-qualified-mortgages-to-encourage-innovation-and-access-to-affordable-mortgage-credit/</loc>
		<lastmod>2020-10-15T13:34:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-seventh-mortgage-company-to-address-deceptive-loan-advertisements-sent-to-servicemembers-and-veterans/</loc>
		<lastmod>2020-10-15T13:34:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-to-extend-comment-period-for-notice-of-proposed-rulemaking-on-new-category-of-qualified-mortgages/</loc>
		<lastmod>2020-10-15T13:34:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-releases-assessment-of-trid-mortgage-loan-disclosure-rule/</loc>
		<lastmod>2020-10-15T13:34:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-report-finds-continued-decline-in-the-market-for-certain-kinds-of-college-credit-cards/</loc>
		<lastmod>2020-10-15T13:33:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ohio-senate-bill-122-regarding-debt-adjusting-passes-the-senate-committee-on-insurance-and-financial-institutions/</loc>
		<lastmod>2020-10-01T17:26:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-legislature-passes-department-of-financial-protection-and-innovation-bill-colloquially-known-as-the-mini-cfpb-bill/</loc>
		<lastmod>2020-09-18T16:57:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-and-new-york-attorney-general-take-action-against-debt-collection-operation-and-its-owners-and-managers/</loc>
		<lastmod>2020-09-10T12:46:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-sues-debt-collectors-and-debt-buyers-encore-capital-group-midland-funding-midland-credit-management-and-asset-acceptance-capital-corp/</loc>
		<lastmod>2020-09-10T12:46:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/operators-of-student-debt-relief-scheme-agree-to-pay-at-least-835000-to-settle-ftc-allegations/</loc>
		<lastmod>2020-09-10T12:45:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ca-bill-2524-passed-california-state-senate-and-sent-to-ca-governor-to-be-enacted/</loc>
		<lastmod>2020-09-02T16:24:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/the-debt-relief-industry-during-covid-19-assessing-the-recent-regulatory-and-market-changes/</loc>
		<lastmod>2020-08-31T20:44:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-the-use-of-attorneys-in-debt-settlement-discussion-of-legal-and-regulatory-issues/</loc>
		<lastmod>2020-08-31T20:44:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-requests-information-on-the-impact-of-the-card-act-regulations-on-small-entities-and-the-consumer-credit-card-market/</loc>
		<lastmod>2020-08-31T20:42:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-extends-comment-period-on-request-for-information-on-ways-to-prevent-credit-discrimination-and-build-a-more-inclusive-financial-system/</loc>
		<lastmod>2020-08-27T13:08:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-announces-settlement-with-foreclosure-relief-services-company-and-its-owner/</loc>
		<lastmod>2020-08-11T21:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-mortgage-companies-to-address-deceptive-loan-advertisements-sent-to-servicemembers-and-veterans/</loc>
		<lastmod>2020-08-11T21:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-announces-plan-to-issue-anpr-on-consumer-authorized-access-to-financial-data/</loc>
		<lastmod>2020-08-11T21:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/scammers-who-used-robocalls-to-target-cash-strapped-consumers-banned-from-selling-debt-relief-services-and-telemarketing/</loc>
		<lastmod>2020-08-11T21:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-requests-information-on-ways-to-prevent-credit-discrimination-and-build-a-more-inclusive-financial-system/</loc>
		<lastmod>2020-08-11T21:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/oral-testimony-of-director-kraninger-before-the-senate-banking-committee/</loc>
		<lastmod>2020-08-11T21:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/oral-testimony-of-director-kraninger-before-the-house-financial-services-committee/</loc>
		<lastmod>2020-08-11T21:45:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-jersey-assembly-pre-files-a-debt-adjusters-bill-for-the-2020-session/</loc>
		<lastmod>2020-07-22T15:17:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-florida-attorney-general-obtain-court-order-temporarily-halting-bogus-orlando-based-credit-card-interest-rate-reduction-operation/</loc>
		<lastmod>2020-07-22T15:15:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sends-report-to-congress-on-social-media-bots-and-deceptive-advertising/</loc>
		<lastmod>2020-07-22T15:15:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-announces-new-capability-for-the-consumer-complaint-database-expands-ability-to-view-complaint-data-over-time/</loc>
		<lastmod>2020-07-22T15:15:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/court-rules-in-ftcs-favor-against-student-debt-relief-scammers/</loc>
		<lastmod>2020-07-22T15:15:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ca-bill-2524-amended-in-senate-committee-on-banking-and-financial-institutions/</loc>
		<lastmod>2020-07-16T18:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sends-more-than-16-million-in-refunds-to-victims-of-bogus-debt-relief-operation/</loc>
		<lastmod>2020-07-16T18:46:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-releases-online-tool-to-help-college-students-determine-how-to-pay-for-college/</loc>
		<lastmod>2020-07-16T18:46:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-files-suit-against-mortgage-creditor-for-discriminatory-mortgage-lending-practices/</loc>
		<lastmod>2020-07-16T18:46:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-publishes-article-cacalled-recent-trends-in-debt-settlement-and-credit-counseling/</loc>
		<lastmod>2020-07-14T16:26:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-issues-final-rule-on-small-dollar-lending/</loc>
		<lastmod>2020-07-14T15:51:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-takes-action-against-student-loan-debt-relief-business-and-its-owners-for-taking-illegal-advance-fees/</loc>
		<lastmod>2020-07-14T15:51:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sends-more-than-1-million-in-refunds-to-victims-of-student-loan-debt-relief-scam/</loc>
		<lastmod>2020-07-14T15:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-releases-report-on-debt-settlements-and-credit-counseling/</loc>
		<lastmod>2020-07-14T15:50:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-sues-student-loan-debt-relief-operation-for-taking-illegal-advance-fees-and-settles-with-some-participants/</loc>
		<lastmod>2020-07-14T15:50:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-releases-making-ends-meet-survey/</loc>
		<lastmod>2020-07-14T15:49:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-study-shows-financial-product-could-help-consumers-build-credit/</loc>
		<lastmod>2020-07-14T15:49:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-issues-interim-final-rule-on-loss-mitigation-options-for-homeowners-recovering-from-pandemic-related-financial-hardships/</loc>
		<lastmod>2020-07-07T14:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-contract-for-deed-companies-for-engaging-in-deceptive-acts-and-practices-and-violating-credit-reporting-rules/</loc>
		<lastmod>2020-07-07T14:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-issues-proposed-rule-on-escrow-exemptions-for-certain-high-priced-mortgage-loans/</loc>
		<lastmod>2020-07-07T14:22:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-announces-consumer-financial-protection-week-virtual-events-nationwide/</loc>
		<lastmod>2020-07-07T14:22:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-announces-tech-sprints-to-empower-consumers-reduce-regulatory-burden/</loc>
		<lastmod>2020-07-07T14:20:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-and-sba-warn-six-companies-to-stop-potentially-misleading-marketing-aimed-at-small-businesses-seeking-coronavirus-relief-loans/</loc>
		<lastmod>2020-07-07T14:19:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ffiec-announces-availability-of-2019-data-on-mortgage-lending/</loc>
		<lastmod>2020-07-07T14:19:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ca-bills-2524-and-2443-both-assigned-to-respective-senate-committees/</loc>
		<lastmod>2020-07-07T14:18:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/north-carolina-update-and-cfpb-debt-relief-alert/</loc>
		<lastmod>2020-07-01T20:11:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/the-use-of-attorneys-in-debt-settlement-discussion-of-legal-and-regulatory-issues/</loc>
		<lastmod>2020-06-23T14:42:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/virus-contributes-to-outbreak-of-consumer-debt-in-maine/</loc>
		<lastmod>2020-06-23T14:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/bill-would-close-loophole-on-debt-settlement-companies-put-them-out-of-business-in-nc/</loc>
		<lastmod>2020-06-23T14:37:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-the-inception-and-evolution-of-the-telemarketing-sales-rule-tsr-in-the-debt-relief-and-credit-repair-industries/</loc>
		<lastmod>2020-06-22T16:47:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-legislative-update-in-the-debt-settlement-industry-enacted-and-proposed-legislation/</loc>
		<lastmod>2020-06-22T16:47:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-cfpb-evolutions-in-debt-symposium-overview/</loc>
		<lastmod>2020-06-22T16:47:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/rogue-payment-processor-that-helped-perpetuate-multiple-scams-is-banned-from-the-payment-processing-business-under-ftc-settlement/</loc>
		<lastmod>2020-06-22T13:22:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-launches-pilot-advisory-opinion-program-to-provide-regulated-entities-clear-guidance-and-improve-compliance/</loc>
		<lastmod>2020-06-22T13:22:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/remarks-by-director-kraninger-during-consumer-data-industry-association-webinar/</loc>
		<lastmod>2020-06-22T13:21:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ca-bills-no-2443-and-no-2524-pass-the-ca-assembly-and-move-to-the-ca-senate/</loc>
		<lastmod>2020-06-12T20:04:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-proposed-prorater-bill-no-2425-hearing-scheduled-in-california-state-assembly-banking-and-finance-committee-on-tuesday-may-19th-at-1130-am-pst/</loc>
		<lastmod>2020-06-12T19:53:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/north-carolina-senate-general-assembly-has-proposed-though-not-yet-introduced-the-modernize-debt-settlement-prohibition-bill/</loc>
		<lastmod>2020-06-12T19:53:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-bill-no-2443-proposing-to-amend-the-consumer-legal-remedies-act/</loc>
		<lastmod>2020-06-12T19:53:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-proposed-prorater-bill-no-2524-amended-on-may-12-2020/</loc>
		<lastmod>2020-06-12T19:53:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/on-may-19-2020-the-ca-prorater-bill-no-2524-passed-initial-vote-in-assembly-committee-on-banking-and-finance-bill-will-return-to-committee-for-further-revisions/</loc>
		<lastmod>2020-06-12T19:53:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/bipartisan-bill-hb-1067-the-debt-modernization-act-continues-to-move-through-the-north-carolina-state-legislature-at-a-rapid-pace/</loc>
		<lastmod>2020-06-12T19:52:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/debt-settlement-bill-moves-to-north-carolina-senate/</loc>
		<lastmod>2020-06-12T19:52:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-proposed-prorater-bill-no-2524-was-recently-referred-to-the-appropriations-committee/</loc>
		<lastmod>2020-06-12T19:51:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/california-prorater-bill-no-2524-amended/</loc>
		<lastmod>2020-06-12T19:51:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-short-term-lenders-for-engaging-in-unfair-and-deceptive-acts-and-practices/</loc>
		<lastmod>2020-06-12T19:47:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-takes-action-to-help-consumers-receive-relief-from-credit-card-issuers/</loc>
		<lastmod>2020-06-12T19:47:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-and-state-regulators-provide-additional-guidance-to-assist-borrowers-impacted-by-the-covid-19-pandemic/</loc>
		<lastmod>2020-06-12T19:46:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-staff-provides-2019-annual-financial-acts-enforcement-report-to-the-cfpb/</loc>
		<lastmod>2020-06-12T19:46:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/new-york-based-finance-companies-deceived-small-businesses-non-profits-and-seized-their-personal-and-business-assets-ftc-alleges/</loc>
		<lastmod>2020-06-12T19:46:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/webinar-the-inception-and-evolution-of-the-telemarking-sales-rule-tsr-in-the-debt-relief-and-credit-repair-industries/</loc>
		<lastmod>2020-06-03T14:39:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/americans-fell-behind-on-nearly-18-million-credit-card-and-auto-loan-payments-last-month/</loc>
		<lastmod>2020-05-28T17:57:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/americans-skipping-credit-card-payments-racking-up-significant-debt/</loc>
		<lastmod>2020-05-28T17:55:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-takes-action-to-help-struggling-homeowners-seeking-mitigation-efforts-consumers-seeking-small-dollar-loans/</loc>
		<lastmod>2020-05-28T17:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-and-commonwealth-of-massachusetts-file-suit-against-credit-repair-telemarketers/</loc>
		<lastmod>2020-05-28T17:54:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-halts-deceptive-payday-lender-that-took-millions-from-consumers-accounts-without-authorization/</loc>
		<lastmod>2020-05-28T17:53:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-finalizes-settlement-in-lendedu-case-related-to-deceptive-rankings-and-fake-reviews/</loc>
		<lastmod>2020-05-28T17:53:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-issues-consumer-complaint-bulletin/</loc>
		<lastmod>2020-05-22T17:34:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-debt-soars-to-14-3-trillion-now-higher-than-2008-crisis/</loc>
		<lastmod>2020-05-20T01:46:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-files-complaint-alleging-telemarketers-and-debt-collectors-worked-together-to-bilk-organizations-for-subscriptions-and-books-they-never-ordered/</loc>
		<lastmod>2020-05-19T18:40:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/director-kraninger-remarks-during-financial-stability-oversight-council-meeting-2/</loc>
		<lastmod>2020-05-19T18:40:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-csbs-issue-consumer-guide-on-mortgage-relief-options/</loc>
		<lastmod>2020-05-19T18:40:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-sends-more-than-12-million-in-full-refunds-to-victims-of-online-billing-scam/</loc>
		<lastmod>2020-05-19T18:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-and-sba-warn-operator-of-sba-com-and-lead-generator-lendio-to-stop-potentially-misleading-coronavirus-relief-loan-marketing/</loc>
		<lastmod>2020-05-19T18:39:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-to-provide-additional-extension-of-comment-period-for-supplemental-notice-of-proposed-rulemaking-on-time-barred-debt/</loc>
		<lastmod>2020-05-19T18:39:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-settles-with-specialized-loan-servicing-llc/</loc>
		<lastmod>2020-05-13T14:41:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-issues-final-remittance-rule/</loc>
		<lastmod>2020-05-13T14:41:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/director-kraninger-remarks-during-financial-literacy-and-education-commission-public-meeting/</loc>
		<lastmod>2020-05-13T14:41:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-fhfa-hud-launch-joint-mortgage-and-housing-assistance-website-for-americans-impacted-by-covid-19/</loc>
		<lastmod>2020-05-13T14:41:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/shipkevich-launches-debt-relief-industry-podcast/</loc>
		<lastmod>2020-05-09T14:40:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-issues-clarifications-to-support-small-business-applying-for-ppp-loans/</loc>
		<lastmod>2020-05-09T14:31:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/credit-card-debt-spreads-to-nearly-half-of-us-adults/</loc>
		<lastmod>2020-05-05T14:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-to-co-host-second-conference-on-marketing-and-consumer-protection-on-october-2/</loc>
		<lastmod>2020-05-05T14:06:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/legislative-update-in-the-debt-settlement-industry-enacted-and-proposed-legislation/</loc>
		<lastmod>2020-05-05T14:04:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/attorney-general-ellison-shuts-down-fraudulent-student-loan-debt-settlement-company-in-minnesota/</loc>
		<lastmod>2020-05-01T14:20:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/federal-student-loans-for-6-million-people-arent-covered-by-the-cares-act/</loc>
		<lastmod>2020-05-01T14:20:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-adds-enhancements-to-consumer-complaint-database/</loc>
		<lastmod>2020-05-01T14:15:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/cfpb-paves-way-for-consumers-facing-financial-emergencies-to-obtain-access-to-mortgage-credit-more-quickly/</loc>
		<lastmod>2020-05-01T14:15:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/consumer-financial-protection-bureau-outlines-mortgage-loan-transfer-process-to-prevent-consumer-harm/</loc>
		<lastmod>2020-04-26T14:19:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/ftc-chairman-releases-2019-annual-highlights/</loc>
		<lastmod>2020-04-26T14:19:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://debtreliefwatch.shipkevich.com/credit-cards-start-offering-lower-limits-amid-u-s-outbreak/</loc>
		<lastmod>2020-04-23T18:34:31+00:00</lastmod>
	</url>
</urlset>
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