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  <url>
    <loc>https://fcraland.com/keeper-adds-local-ai-phishing-protection-to-browser-extension-to-spot-spoofed-logins</loc>
    <lastmod>2026-10-25T20:12:58-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T20:12:57-04:00</news:publication_date>
      <news:title>Keeper adds local AI phishing protection to browser extension to spot spoofed logins</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-identity-theft-76ab5f.webp</image:loc>
      <image:title>Keeper adds local AI phishing protection to browser extension to spot spoofed logins</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/study-drivers-in-seattle-saved-up-to-184-a-month-by-refinancing-auto-loans</loc>
    <lastmod>2026-10-25T19:13:23-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T19:13:23-04:00</news:publication_date>
      <news:title>Study: drivers in Seattle saved up to $184 a month by refinancing auto loans</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-banking-e374c5.webp</image:loc>
      <image:title>Study: drivers in Seattle saved up to $184 a month by refinancing auto loans</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/class-action-filed-after-southern-co-parent-says-400-000-customer-accounts-were-breached</loc>
    <lastmod>2026-10-25T18:14:05-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T18:14:04-04:00</news:publication_date>
      <news:title>Class action filed after Southern Co. parent says 400,000 customer accounts were breached</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-identity-theft-348d63.webp</image:loc>
      <image:title>Class action filed after Southern Co. parent says 400,000 customer accounts were breached</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/the-bancorp-schedules-oct-29-earnings-release-and-oct-30-investor-call-for-fintech-business</loc>
    <lastmod>2026-10-25T17:15:12-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T17:15:12-04:00</news:publication_date>
      <news:title>The Bancorp schedules Oct. 29 earnings release and Oct. 30 investor call for fintech business</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-fintech-ca8d83.webp</image:loc>
      <image:title>The Bancorp schedules Oct. 29 earnings release and Oct. 30 investor call for fintech business</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/google-policy-change-lets-gmail-and-photos-data-personalize-search-and-ads-when-users-opt-in</loc>
    <lastmod>2026-10-25T16:13:51-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T16:13:51-04:00</news:publication_date>
      <news:title>Google policy change lets Gmail and Photos data personalize search and ads when users opt in</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-data-privacy-6443aa.webp</image:loc>
      <image:title>Google policy change lets Gmail and Photos data personalize search and ads when users opt in</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/transunion-offers-first-look-mortgage-tool-so-lenders-can-buy-reports-before-paying-for-scores</loc>
    <lastmod>2026-10-25T15:14:30-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T15:14:29-04:00</news:publication_date>
      <news:title>TransUnion offers &#039;first look&#039; mortgage tool so lenders can buy reports before paying for scores</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-scores-f26f44.webp</image:loc>
      <image:title>TransUnion offers &#039;first look&#039; mortgage tool so lenders can buy reports before paying for scores</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/keystone-says-shopify-powered-store-leak-exposed-customer-names-addresses-and-order-details</loc>
    <lastmod>2026-10-25T14:13:21-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T14:13:21-04:00</news:publication_date>
      <news:title>Keystone says Shopify-powered store leak exposed customer names, addresses and order details</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-identity-theft-d84e05.webp</image:loc>
      <image:title>Keystone says Shopify-powered store leak exposed customer names, addresses and order details</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/judge-opm-unlawfully-gave-doge-broad-access-to-federal-personnel-data</loc>
    <lastmod>2026-10-25T13:13:19-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T13:13:18-04:00</news:publication_date>
      <news:title>Judge: OPM unlawfully gave DOGE broad access to federal personnel data</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-data-privacy-61a36f.webp</image:loc>
      <image:title>Judge: OPM unlawfully gave DOGE broad access to federal personnel data</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/sellers-cut-prices-and-offer-incentives-as-u-s-housing-market-stalls</loc>
    <lastmod>2026-10-25T12:13:46-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T12:13:46-04:00</news:publication_date>
      <news:title>Sellers cut prices and offer incentives as U.S. housing market stalls</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-housing-3e467d.webp</image:loc>
      <image:title>Sellers cut prices and offer incentives as U.S. housing market stalls</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/borrowers-brace-for-higher-student-loan-bills-after-save-plan-elimination</loc>
    <lastmod>2026-10-25T11:31:23-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T11:39:44-04:00</news:publication_date>
      <news:title>Borrowers brace for higher student‑loan bills after SAVE plan elimination</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-student-loans-f4626c.webp</image:loc>
      <image:title>Borrowers brace for higher student‑loan bills after SAVE plan elimination</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/fico-cuts-wholesale-mortgage-price-to-10-for-preferred-lenders-reshaping-mortgage-scoring-economics</loc>
    <lastmod>2026-10-25T11:23:40-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T11:23:40-04:00</news:publication_date>
      <news:title>FICO cuts wholesale mortgage price to $10 for preferred lenders, reshaping mortgage scoring economics</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-scores-339439.webp</image:loc>
      <image:title>FICO cuts wholesale mortgage price to $10 for preferred lenders, reshaping mortgage scoring economics</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/national-average-credit-card-apr-hits-19-70-as-balances-and-delinquencies-rise</loc>
    <lastmod>2026-10-25T11:19:11-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T11:19:11-04:00</news:publication_date>
      <news:title>National average credit card APR hits 19.70% as balances and delinquencies rise</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-cards-fb6ce8.webp</image:loc>
      <image:title>National average credit card APR hits 19.70% as balances and delinquencies rise</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/first-advantage-and-id-me-roll-out-fcra-compliant-ai-identity-checks-for-background-screening</loc>
    <lastmod>2026-10-25T11:19:09-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T11:19:09-04:00</news:publication_date>
      <news:title>First Advantage and ID.me roll out FCRA‑compliant AI identity checks for background screening</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-consumer-rights-36ab88.webp</image:loc>
      <image:title>First Advantage and ID.me roll out FCRA‑compliant AI identity checks for background screening</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/in-many-california-metros-rising-rents-still-trail-monthly-mortgage-costs-by-years</loc>
    <lastmod>2026-10-24T20:30:46-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T20:30:45-04:00</news:publication_date>
      <news:title>In many California metros, rising rents still trail monthly mortgage costs by years</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-housing-32d8b3.webp</image:loc>
      <image:title>In many California metros, rising rents still trail monthly mortgage costs by years</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/lianlian-global-partners-with-paypal-to-pay-creators-and-sellers-directly-to-paypal-and-venmo</loc>
    <lastmod>2026-10-24T20:28:42-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T20:28:41-04:00</news:publication_date>
      <news:title>LianLian Global partners with PayPal to pay creators and sellers directly to PayPal and Venmo</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-fintech-7712ec.webp</image:loc>
      <image:title>LianLian Global partners with PayPal to pay creators and sellers directly to PayPal and Venmo</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/rbc-warns-core-pce-may-reaccelerate-and-flags-risks-for-lower-and-middle-income-households</loc>
    <lastmod>2026-10-24T20:26:15-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T20:26:13-04:00</news:publication_date>
      <news:title>RBC warns core PCE may reaccelerate and flags risks for lower‑ and middle‑income households</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-economy-ba51a4.webp</image:loc>
      <image:title>RBC warns core PCE may reaccelerate and flags risks for lower‑ and middle‑income households</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/third-round-of-october-social-security-payments-scheduled-for-wednesday-oct-28</loc>
    <lastmod>2026-10-24T20:26:13-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T20:26:12-04:00</news:publication_date>
      <news:title>Third round of October Social Security payments scheduled for Wednesday, Oct. 28</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-retirement-744c95.webp</image:loc>
      <image:title>Third round of October Social Security payments scheduled for Wednesday, Oct. 28</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/study-finds-more-airbnb-listings-are-linked-to-small-but-measurable-rent-and-home-price-increases</loc>
    <lastmod>2026-10-24T20:26:11-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T20:26:11-04:00</news:publication_date>
      <news:title>Study finds more Airbnb listings are linked to small but measurable rent and home‑price increases</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-housing-bc9188.webp</image:loc>
      <image:title>Study finds more Airbnb listings are linked to small but measurable rent and home‑price increases</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/sellers-in-las-vegas-are-buying-down-mortgage-rates-to-move-homes-as-30-year-rates-stay-above-7</loc>
    <lastmod>2026-10-24T20:26:09-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T20:26:08-04:00</news:publication_date>
      <news:title>Sellers in Las Vegas are buying down mortgage rates to move homes as 30-year rates stay above 7%</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-mortgages-loans-795a2f.webp</image:loc>
      <image:title>Sellers in Las Vegas are buying down mortgage rates to move homes as 30-year rates stay above 7%</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/bbb-warns-of-political-phishing-and-donation-scams-as-midterm-voting-nears</loc>
    <lastmod>2026-10-24T20:26:08-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T20:26:06-04:00</news:publication_date>
      <news:title>BBB warns of political phishing and donation scams as midterm voting nears</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-identity-theft-03b0bc.webp</image:loc>
      <image:title>BBB warns of political phishing and donation scams as midterm voting nears</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/millions-of-prime-customers-to-get-ftc-refunds-labeled-with-president-trump-s-federal-trade-commission</loc>
    <lastmod>2026-10-24T20:26:04-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-24T20:26:04-04:00</news:publication_date>
      <news:title>Millions of Prime customers to get FTC refunds labeled with ‘President Trump’s Federal Trade Commission’</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-regulators-f932ad.webp</image:loc>
      <image:title>Millions of Prime customers to get FTC refunds labeled with ‘President Trump’s Federal Trade Commission’</image:title>
    </image:image>
  </url>
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