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  <url>
    <loc>https://fcraland.com/trump-says-he-might-back-capping-federal-student-loan-interest-at-2-5</loc>
    <lastmod>2026-10-25T23:14:09-04:00</lastmod>
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      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
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      <news:publication_date>2026-10-25T23:14:08-04:00</news:publication_date>
      <news:title>Trump says he might back capping federal student loan interest at 2.5%</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-student-loans-1b0f35.webp</image:loc>
      <image:title>Trump says he might back capping federal student loan interest at 2.5%</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/hawaii-reaffirms-policy-to-preserve-social-security-survivor-benefits-for-foster-youth</loc>
    <lastmod>2026-10-25T22:13:03-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T22:13:01-04:00</news:publication_date>
      <news:title>Hawaii reaffirms policy to preserve Social Security survivor benefits for foster youth</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-retirement-a9e51e.webp</image:loc>
      <image:title>Hawaii reaffirms policy to preserve Social Security survivor benefits for foster youth</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/ftc-sends-65-022-refunds-after-finding-walmart-s-money-transfer-controls-let-scammers-through</loc>
    <lastmod>2026-10-25T21:15:01-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-25T21:15:01-04:00</news:publication_date>
      <news:title>FTC sends 65,022 refunds after finding Walmart’s money‑transfer controls let scammers through</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-regulators-27d738.webp</image:loc>
      <image:title>FTC sends 65,022 refunds after finding Walmart’s money‑transfer controls let scammers through</image:title>
    </image:image>
  </url>
  <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>
    </image:image>
  </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>
    </image:image>
  </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>
    </image:image>
  </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>
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