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  <url>
    <loc>https://fcraland.com/fannie-freddie-apply-same-pricing-to-fico-and-vantagescore-as-fhfa-director-attacks-fico-pricing</loc>
    <lastmod>2026-10-27T15:13:05-04:00</lastmod>
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      <news:publication_date>2026-10-27T15:13:05-04:00</news:publication_date>
      <news:title>Fannie, Freddie apply same pricing to FICO and VantageScore as FHFA director attacks FICO pricing</news:title>
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    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-scores-142649.webp</image:loc>
      <image:title>Fannie, Freddie apply same pricing to FICO and VantageScore as FHFA director attacks FICO pricing</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/orange-county-erases-199-million-more-in-medical-debt-bringing-total-relief-to-758-2-million</loc>
    <lastmod>2026-10-27T14:13:25-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T14:13:25-04:00</news:publication_date>
      <news:title>Orange County erases $199 million more in medical debt, bringing total relief to $758.2 million</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-debt-collection-675f9d.webp</image:loc>
      <image:title>Orange County erases $199 million more in medical debt, bringing total relief to $758.2 million</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/occ-grants-ripple-final-approval-to-operate-a-national-trust-bank</loc>
    <lastmod>2026-10-27T13:13:33-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T13:13:33-04:00</news:publication_date>
      <news:title>OCC grants Ripple final approval to operate a national trust bank</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-regulators-c06361.webp</image:loc>
      <image:title>OCC grants Ripple final approval to operate a national trust bank</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/november-social-security-ssi-payments-shifted-earlier-key-dates-for-beneficiaries</loc>
    <lastmod>2026-10-27T12:13:22-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T12:13:21-04:00</news:publication_date>
      <news:title>November Social Security, SSI payments shifted earlier; key dates for beneficiaries</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-retirement-ea1589.webp</image:loc>
      <image:title>November Social Security, SSI payments shifted earlier; key dates for beneficiaries</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/paypal-raises-full-year-profit-forecast-after-beating-quarterly-profit-expectations</loc>
    <lastmod>2026-10-27T11:13:07-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T11:13:06-04:00</news:publication_date>
      <news:title>PayPal raises full-year profit forecast after beating quarterly profit expectations</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-fintech-1f54a5.webp</image:loc>
      <image:title>PayPal raises full-year profit forecast after beating quarterly profit expectations</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/bilt-changes-rewards-structure-for-2027-ending-default-4-bilt-cash-and-trimming-hotel-redemptions</loc>
    <lastmod>2026-10-27T10:14:18-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T10:14:17-04:00</news:publication_date>
      <news:title>Bilt changes rewards structure for 2027, ending default 4% Bilt Cash and trimming hotel redemptions</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-cards-7388af.webp</image:loc>
      <image:title>Bilt changes rewards structure for 2027, ending default 4% Bilt Cash and trimming hotel redemptions</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/appeals-court-invalidates-fed-s-debit-swipe-fee-rule-orders-regulator-to-rewrite-cap</loc>
    <lastmod>2026-10-27T09:13:11-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T09:13:10-04:00</news:publication_date>
      <news:title>Appeals court invalidates Fed’s debit swipe‑fee rule, orders regulator to rewrite cap</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-cards-1da065.webp</image:loc>
      <image:title>Appeals court invalidates Fed’s debit swipe‑fee rule, orders regulator to rewrite cap</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/general-motors-to-move-u-s-listing-from-nyse-to-nasdaq-opening-nasdaq-100-eligibility</loc>
    <lastmod>2026-10-27T08:15:48-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T08:15:48-04:00</news:publication_date>
      <news:title>General Motors to move U.S. listing from NYSE to Nasdaq, opening Nasdaq-100 eligibility</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-markets-d9a38f.webp</image:loc>
      <image:title>General Motors to move U.S. listing from NYSE to Nasdaq, opening Nasdaq-100 eligibility</image:title>
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  </url>
  <url>
    <loc>https://fcraland.com/klarna-available-as-a-payment-option-at-adorama-and-sister-sites</loc>
    <lastmod>2026-10-27T06:13:08-04:00</lastmod>
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      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T06:13:08-04:00</news:publication_date>
      <news:title>Klarna available as a payment option at Adorama and sister sites</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-fintech-0a8e73.webp</image:loc>
      <image:title>Klarna available as a payment option at Adorama and sister sites</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/minnesota-orders-collector-to-pay-penalty-after-alleged-collections-on-settled-account-and-false-credit-reports</loc>
    <lastmod>2026-10-27T05:13:06-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T05:13:05-04:00</news:publication_date>
      <news:title>Minnesota orders collector to pay penalty after alleged collections on settled account and false credit reports</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-credit-reports-184e4a.webp</image:loc>
      <image:title>Minnesota orders collector to pay penalty after alleged collections on settled account and false credit reports</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/some-online-savings-accounts-pay-as-much-as-4-70-apy-fortune-curinos-says</loc>
    <lastmod>2026-10-27T04:13:40-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T04:13:39-04:00</news:publication_date>
      <news:title>Some online savings accounts pay as much as 4.70% APY, Fortune/Curinos says</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-banking-268cdd.webp</image:loc>
      <image:title>Some online savings accounts pay as much as 4.70% APY, Fortune/Curinos says</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/citi-launches-premium-boost-offering-up-to-4-35-apy-for-wealthy-account-tiers</loc>
    <lastmod>2026-10-27T03:13:18-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T03:13:17-04:00</news:publication_date>
      <news:title>Citi launches Premium Boost offering up to 4.35% APY for wealthy account tiers</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-banking-f15e11.webp</image:loc>
      <image:title>Citi launches Premium Boost offering up to 4.35% APY for wealthy account tiers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/medicare-2027-higher-part-d-limits-15-drugs-added-to-price-negotiations-and-a-projected-part-b-premium-rise</loc>
    <lastmod>2026-10-27T02:13:39-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T02:13:39-04:00</news:publication_date>
      <news:title>Medicare 2027: higher Part D limits, 15 drugs added to price negotiations and a projected Part B premium rise</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-retirement-2012f2.webp</image:loc>
      <image:title>Medicare 2027: higher Part D limits, 15 drugs added to price negotiations and a projected Part B premium rise</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/tidb-cloud-vendor-says-stolen-service-account-keys-let-intruder-copy-internal-data-over-28-days</loc>
    <lastmod>2026-10-27T00:14:00-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-27T00:14:00-04:00</news:publication_date>
      <news:title>TiDB Cloud vendor says stolen service account keys let intruder copy internal data over 28 days</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-identity-theft-3e0289.webp</image:loc>
      <image:title>TiDB Cloud vendor says stolen service account keys let intruder copy internal data over 28 days</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/administration-preparing-to-restart-wage-garnishments-for-defaulted-federal-student-loans</loc>
    <lastmod>2026-10-26T23:13:22-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T23:13:21-04:00</news:publication_date>
      <news:title>Administration preparing to restart wage garnishments for defaulted federal student loans</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-student-loans-bb2e0a.webp</image:loc>
      <image:title>Administration preparing to restart wage garnishments for defaulted federal student loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/occ-finds-large-banks-limited-access-for-some-customers-cfpb-opens-probe</loc>
    <lastmod>2026-10-26T22:14:26-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T22:14:25-04:00</news:publication_date>
      <news:title>OCC finds large banks limited access for some customers; CFPB opens probe</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-consumer-rights-bbe741.webp</image:loc>
      <image:title>OCC finds large banks limited access for some customers; CFPB opens probe</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/austin-isd-says-frontline-education-breach-exposed-staff-social-security-numbers-and-addresses</loc>
    <lastmod>2026-10-26T21:13:06-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T21:13:06-04:00</news:publication_date>
      <news:title>Austin ISD says Frontline Education breach exposed staff Social Security numbers and addresses</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-data-privacy-3ed01b.webp</image:loc>
      <image:title>Austin ISD says Frontline Education breach exposed staff Social Security numbers and addresses</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/new-jersey-bill-would-license-and-limit-fees-for-buy-now-pay-later-loans</loc>
    <lastmod>2026-10-26T20:12:57-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T20:12:56-04:00</news:publication_date>
      <news:title>New Jersey bill would license and limit fees for buy now, pay later loans</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-fintech-dac9cd.webp</image:loc>
      <image:title>New Jersey bill would license and limit fees for buy now, pay later loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/ftc-and-20-states-sue-dollar-general-over-alleged-chronic-overcharging</loc>
    <lastmod>2026-10-26T19:14:36-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T19:14:36-04:00</news:publication_date>
      <news:title>FTC and 20 states sue Dollar General over alleged chronic overcharging</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-regulators-ecf532.webp</image:loc>
      <image:title>FTC and 20 states sue Dollar General over alleged chronic overcharging</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/justice-department-drops-appeal-of-rule-narrowing-public-service-loan-forgiveness-employer-eligibility</loc>
    <lastmod>2026-10-26T18:13:05-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T18:13:05-04:00</news:publication_date>
      <news:title>Justice Department drops appeal of rule narrowing Public Service Loan Forgiveness employer eligibility</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-student-loans-d9b865.webp</image:loc>
      <image:title>Justice Department drops appeal of rule narrowing Public Service Loan Forgiveness employer eligibility</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/washington-supreme-court-says-website-clicks-and-searches-aren-t-private-communications-under-state-law</loc>
    <lastmod>2026-10-26T17:13:00-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T17:13:00-04:00</news:publication_date>
      <news:title>Washington Supreme Court says website clicks and searches aren’t private communications under state law</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-data-privacy-abd793.webp</image:loc>
      <image:title>Washington Supreme Court says website clicks and searches aren’t private communications under state law</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://fcraland.com/turo-will-let-u-s-renters-book-teslas-with-verified-full-self-driving-supervised</loc>
    <lastmod>2026-10-26T16:14:08-04:00</lastmod>
    <news:news>
      <news:publication>
        <news:name>FCRAland</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-10-26T16:14:08-04:00</news:publication_date>
      <news:title>Turo will let U.S. renters book Teslas with verified Full Self‑Driving (Supervised)</news:title>
    </news:news>
    <image:image>
      <image:loc>https://fcraland.com/uploads/ia-housing-ea9989.webp</image:loc>
      <image:title>Turo will let U.S. renters book Teslas with verified Full Self‑Driving (Supervised)</image:title>
    </image:image>
  </url>
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