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  <url>
    <loc>https://fcraland.com/federal-student-loan-default-rate-jumps-to-21-3-as-repayment-changes-bite</loc>
    <lastmod>2026-10-26T14:13:26-04:00</lastmod>
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        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
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      <news:publication_date>2026-10-26T14:13:25-04:00</news:publication_date>
      <news:title>Federal student loan default rate jumps to 21.3% as repayment changes bite</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-student-loans-da9d0b.webp</image:loc>
      <image:title>Federal student loan default rate jumps to 21.3% as repayment changes bite</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/sezzle-files-to-form-sezzle-bank-n-a-seeking-national-charter-and-fdic-insurance</loc>
    <lastmod>2026-10-26T13:13:16-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T13:13:15-04:00</news:publication_date>
      <news:title>Sezzle files to form Sezzle Bank, N.A., seeking national charter and FDIC insurance</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-fintech-6c0f84.webp</image:loc>
      <image:title>Sezzle files to form Sezzle Bank, N.A., seeking national charter and FDIC insurance</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/education-department-rule-bars-programs-whose-graduates-earn-less-than-non-enrollees</loc>
    <lastmod>2026-10-26T12:13:20-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T12:13:20-04:00</news:publication_date>
      <news:title>Education Department rule bars programs whose graduates earn less than non‑enrollees</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-student-loans-79670c.webp</image:loc>
      <image:title>Education Department rule bars programs whose graduates earn less than non‑enrollees</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/transunion-heads-into-earnings-with-analysts-expecting-double-digit-revenue-growth</loc>
    <lastmod>2026-10-26T10:13:06-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
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      <news:publication_date>2026-10-26T10:13:05-04:00</news:publication_date>
      <news:title>TransUnion heads into earnings with analysts expecting double-digit revenue growth</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-reports-87d5e8.webp</image:loc>
      <image:title>TransUnion heads into earnings with analysts expecting double-digit revenue growth</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/federal-reserve-expected-to-hold-rates-at-oct-28-meeting-markets-price-small-chance-of-a-hike</loc>
    <lastmod>2026-10-26T09:14:33-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
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      <news:publication_date>2026-10-26T09:14:32-04:00</news:publication_date>
      <news:title>Federal Reserve expected to hold rates at Oct. 28 meeting, markets price small chance of a hike</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-banking-739d8b.webp</image:loc>
      <image:title>Federal Reserve expected to hold rates at Oct. 28 meeting, markets price small chance of a hike</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/vantagescore-average-vantagescore-4-0-holds-at-701-as-balances-stay-near-107-5k-in-september</loc>
    <lastmod>2026-10-26T08:12:59-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T08:12:59-04:00</news:publication_date>
      <news:title>VantageScore: average VantageScore 4.0 holds at 701 as balances stay near $107.5K in September</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-scores-0da8eb.webp</image:loc>
      <image:title>VantageScore: average VantageScore 4.0 holds at 701 as balances stay near $107.5K in September</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/average-30-year-refinance-rate-is-7-301-as-of-oct-23-2026</loc>
    <lastmod>2026-10-26T07:14:24-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T07:14:23-04:00</news:publication_date>
      <news:title>Average 30-year refinance rate is 7.301% as of Oct. 23, 2026</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-scores-ef0546.webp</image:loc>
      <image:title>Average 30-year refinance rate is 7.301% as of Oct. 23, 2026</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/congress-faces-steep-odds-of-passing-a-national-data-privacy-law-after-midterms</loc>
    <lastmod>2026-10-26T06:13:30-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T06:13:29-04:00</news:publication_date>
      <news:title>Congress faces steep odds of passing a national data privacy law after midterms</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-data-privacy-856f1c.webp</image:loc>
      <image:title>Congress faces steep odds of passing a national data privacy law after midterms</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/gold-edges-up-as-oil-eases-and-markets-brace-for-fed-decision</loc>
    <lastmod>2026-10-26T05:14:01-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T05:13:59-04:00</news:publication_date>
      <news:title>Gold edges up as oil eases and markets brace for Fed decision</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-economy-187a87.webp</image:loc>
      <image:title>Gold edges up as oil eases and markets brace for Fed decision</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/new-york-orders-mortgage-debt-buyers-to-repay-homeowners-and-remove-expired-claims</loc>
    <lastmod>2026-10-26T04:13:05-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T04:13:05-04:00</news:publication_date>
      <news:title>New York orders mortgage debt buyers to repay homeowners and remove expired claims</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-mortgages-loans-2f169b.webp</image:loc>
      <image:title>New York orders mortgage debt buyers to repay homeowners and remove expired claims</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/stock-futures-rise-as-traders-brace-for-a-week-of-central-bank-decisions-and-oil-swings</loc>
    <lastmod>2026-10-26T03:13:29-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T03:13:28-04:00</news:publication_date>
      <news:title>Stock futures rise as traders brace for a week of central bank decisions and oil swings</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-markets-f1722c.webp</image:loc>
      <image:title>Stock futures rise as traders brace for a week of central bank decisions and oil swings</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/synthetic-identities-and-account-takeovers-left-u-s-lenders-with-2-4-billion-exposure-transunion-says</loc>
    <lastmod>2026-10-26T02:13:08-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T02:13:07-04:00</news:publication_date>
      <news:title>Synthetic identities and account takeovers left U.S. lenders with $2.4 billion exposure, TransUnion says</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-reports-2dc81c.webp</image:loc>
      <image:title>Synthetic identities and account takeovers left U.S. lenders with $2.4 billion exposure, TransUnion says</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/trump-says-u-s-oil-firms-are-making-a-freaking-fortune-as-gas-and-diesel-prices-climb</loc>
    <lastmod>2026-10-26T01:15:02-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T01:15:01-04:00</news:publication_date>
      <news:title>Trump says U.S. oil firms are ‘making a freaking fortune’ as gas and diesel prices climb</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-economy-926eaa.webp</image:loc>
      <image:title>Trump says U.S. oil firms are ‘making a freaking fortune’ as gas and diesel prices climb</image:title>
    </image:image>
  </url>
  <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>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <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>
    </image:image>
  </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>
    </image:image>
  </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>
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