Does a flood notice have to be signed?
Which violations result in the highest penalties?
Our borrower routinely said it was OK to text them and we have that screen capture in our records. Can I contact them now to collect the debt via text messages?
What is the difference between an enforcement action and a consent decree?
Credit Bureaus are now allowing consumers to "self-report" utility accounts on their credit histories. These accounts show as payments and performance does affect their credit scores. For ATR compliance, should these reported accounts now be considered in DTI calculations or can they be excluded? As a side note, I am seeing automated software pulling these utility accounts into the calculations as any other credit account.