Credit Score & Debt Rule Watch

Track US consumer credit and debt rules. Report only confirmed, source-backed developments from the last 7 days: reporting changes at Equifax, Experian and TransUnion; FICO and VantageScore model changes and lender adoption dates; medical, rental, utility and buy-now-pay-later reporting changes; CFPB, FTC and state rules or court rulings on collection, credit reporting, late fees, overdraft fees and debt settlement; enforcement actions with consumer refunds; and free credit monitoring or freeze offers after major breaches. Prefer CFPB, FTC, bureau announcements, court documents and established personal-finance reporting; ignore credit-repair advertising. Put the rule or company first in the title and state who benefits and from when. Use high severity for a rule that changes scores for millions of people or a refund with a claim deadline. Return no more than 5 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, the effective date, what to do, and the source link. If nothing qualifies, push nothing and submit the run receipt.