Data updates
By Kai Greenspan, Founding Editor · Last updated: July 12, 2026
Update log
July 12, 2026: Public enforcement records added to profiles
Agency profiles now carry a Public enforcement record section when a regulator has concluded a formal action against the agency, reported neutrally from the regulator's own published documents and linked to them. The first two records are Transworld Systems' 2017 CFPB consent order ($2.5 million civil penalty, docket 2017-CFPB-0018) and Trident Asset Management's 2018 Connecticut Department of Banking consent order. Only adjudicated actions qualify, never allegations, and an enforcement record does not affect where an agency sits in the bands. Source.
July 12, 2026: Ranking bands simplified
The Verified Track Record bands were simplified from five bands (28+, 20-27, 10-19, 3-9, newly verified) to four (25+, 15-24, 5-14, under 5 years), and the top band's 'A+' letter label was dropped. The measure is unchanged: the same continuous-bond-coverage rule, computed the same way from the Texas Secretary of State register. The revision is recorded on the methodology page. Source.
July 12, 2026: Credit Solutions Corp added after review
Credit Solutions Corp (San Diego) was published following a manual review, taking the directory to 94 verified agencies. Its Texas bond history was corrected to its true 8.7 years of continuous coverage after a same-name mix-up in the source list, and its complaint count was set to zero: the exact company name carries no CFPB debt-collection complaints, and a similarly named Utah debt buyer's complaints were deliberately kept out. Source.
July 12, 2026: CFPB complaint counts refreshed
All-time CFPB debt-collection complaint totals re-read from the CFPB Consumer Complaint Database for all 93 published agencies; 79 counts changed. Counts can fall as well as rise because the CFPB removes complaints that fail its own publication criteria. Source.
July 12, 2026: 17 agencies added to the directory
Publishing batch 4 took the directory from 76 to 93 verified agencies. Every new agency's Texas surety bond filings were verified twice against the Secretary of State register (wildcard search plus a direct file-number lookup for each filing), and every industry claim is quoted from the agency's own website with a link and a checked date. Source.
July 5, 2026: All-time CFPB complaint counts adopted
Complaint counts across the directory were rebuilt from a full download of the CFPB Consumer Complaint Database: the all-time debt-collection complaint total for each agency, matched on the exact company name the CFPB records. This replaced the earlier mixed-window counts so every profile measures the same thing. Source.
How the data stays current
The site rebuilds from its verified database every night. Complaint counts are re-read from the CFPB Consumer Complaint Database on a recurring cycle, and each refresh is logged above with the number of agencies whose counts changed. Bond filings are verified against the Secretary of State register when an agency is added and re-checked when its record is touched; every page shows the last-checked date for the facts on it. Errors are handled under the corrections policy.