While most of the consumer protection laws that are rapidly expanding to our world of commercial collections are in the state legislatures and not Congress, we must all be vigilant that the consumer world as it exists in places like NYC and California does not come to our states. We have even had discussions about a “big bold proposal” in Congress to see if we can get a bill introduced and passed exempting lawyers and perhaps even CLLA Certified Agencies from the FDCPA. Whether this becomes one of our “critical issues” for 2025 or not, please consider joining us the coming year in Washington DC in our journey to protect the interests of our clients that the League has represented for over 125 years.