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23 "Cybersecurity and fraud education and awareness is a rapidly growing industry sector that can provide a wealth of information and tools to better prepare companies and their employees for these types of threats and encounters." Register to receive your Daily Dose at DSNews.com GET YOUR DAILY DOSE OF DEFAULT SERVICING NEWS Start your day with the most current and critical news on the mortgage default servicing industry from DSNews.com. Sign up for our email newsletter and get the top stories delivered direct to your inbox every day. Register to receive your Daily Dose at DSNews.com parsing out the different standards applied when a lawsuit is brought under the FDCPA and when a lawsuit is brought under the bankruptcy code. Here, the Court reminds us the standard to be used was not the one cited in the FDCPA—the "least sophisticated consumer" standard—but, instead, the standard set forth in a 2019 Supreme Court case called Taggert v. Lorenzen, 139 S. Ct. 1795 (2019), which requires a "no fair ground of doubt" standard before a court can hold a creditor in civil contempt for violation of the discharge injunction. e way the Roth Court explained the standard is, "in order to find that sanctions are appropriate here, we would have to hold that 'there is no objectively reasonable basis for concluding that [the] conduct might be lawful." (Roth at p. 13) Because the Court found that the statements were informational, rather than for purposes of debt collection, the creditor's conduct demonstrated more than a "fair ground of doubt" as to whether the discharge Order precluded its conduct, and sanctions were not appropriate. Ultimately, the decision provides us with some clarity with respect to informational statements and their treatment under the bankruptcy code. It also serves as a good reminder that this is not a one-size- fits-all industry, and that we must rely on the experience and expertise of our local attorneys to ensure compliance across the board. What can be done to better protect consumers from fraud and cybersecurity? Education is key. Technology impacts our lives every minute of every day. We all know the benefits that technology brings, and we need to be equally aware of the risks associated with our use of it—and the steps we can take to reduce those risks. Understanding what information you are sharing every time you download an application to your phone, or give access to location data, or use the same login and password for all websites. ese are all very common behaviors that can have an impact on consumers leading to unintended consequences. Understanding that most cyber breaches occur by inadvertently letting somebody into your system through emails, attachments, and hyperlink clicks, as opposed to being "hacked" from the outside can be very eye opening. Cybersecurity and fraud education and awareness is a rapidly growing industry sector that can provide a wealth of information and tools to better prepare companies and their employees for these types of threats and encounters. What are some challenges facing the legal industry in 2020? What can be done to address them? e costs and time involved investing in technology and continuing to evolve and improve processes. Trying to become more operationally efficient without giving up your identity. For some, it's trying to remain competitive, for others it's creating separation from the competition. It is an interesting time right now, one day the economy is on the verge of a recession, the next day things have never been better. Being ready for whatever situation presents itself is the most difficult, but most rewarding part of our job. What are some legal trends within housing that you are keeping an eye on in 2020? e entire industry will be paying particular attention to the Supreme Court's CFPB leadership constitutionality case. I think it will also be interesting to see how the industry continues to operate and settle-in after last year's holding in the Obduskey case as well. Being an election year, I'm fairly certain we will get to see a few housing issues start to take center stage and become a focal point of some campaign platforms. Journal