Privacy Act of 1974; Matching Program
HUD and SBA are launching a new computer matching program that will share data for debt collection purposes, potentially affecting how debt collectors access borrower information.
Aforeworn detected this change in the Debt Collection (FDCPA / State) space on July 5, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated Medium urgency. Collection agencies, debt buyers, and law firms that collect HUD-related debts or SBA loans. should confirm how it applies to their specific situation before acting. There is a time constraint attached: Program effective 30 days after publication (approx. August 1, 2026) unless comments received earlier.. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Debt Collection (FDCPA / State) continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.
What changed
A new Privacy Act matching program allows SBA to share borrower data with HUD for debt collection, increasing data availability and compliance requirements under the Privacy Act.
Who it affects
Collection agencies, debt buyers, and law firms that collect HUD-related debts or SBA loans.
What you must do
Review data matching agreements and ensure compliance with Privacy Act requirements when using matched data for debt collection.
Deadline
Program effective 30 days after publication (approx. August 1, 2026) unless comments received earlier.
Source: https://www.federalregister.gov/documents/2026/07/02/2026-13378/privacy-act-of-1974-matching-program
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