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Nationwide

Nationwide edition

California

California

Ohio

Ohio
All editions and what’s coming next

Friday, October 23, 2026Fix, build and use your credit — scores, reports, cards, loans, the rules and the scams, explained around the clock

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What’s Changing

The rules, laws, court rulings and policy changes that affect your credit — who decided each one, where it stands, and when it takes effect — as announced, and checked by an editor. A proposed rule isn’t law yet; a blocked one may never be.

Now in effect 1

  1. In effect
    Ohio legislatureOhio SB 219 takes effect, leaving the six-year period for written debt unchangedSB 219 added a cross-reference to section 2305.041(B)'s separate ten-year deadline. It did not change the six-year period for ordinary written debt.In effect since Sep 23 · Law or bill · Ohio · Official notice · The story

Proposed and pending 2

  1. Proposed
    California Attorney General Rob BontaCalifornia's $6 million settlement with 23andMe over its 2023 data breach awaits court approvalThe settlement resolves California's allegations that the company failed to protect customers' personal and genetic data. The company pays $6.01 million to the attorney general's office for consumer relief, and neither party admitted liability.Announced Oct 19 · Court ruling · California · Official notice · The story
  2. Proposed
    Ohio Senate (SB 157)Ohio bill would cut the deadline to sue on a written debt from 6 to 4 yearsSB 157 would shorten the ordinary written-contract period from 6 to 4 years. It passed the Senate and sits in House Judiciary; it is not law.Announced May 20 · Law or bill · Ohio · Official notice · The story

Delayed, blocked or withdrawn 2

  1. Blocked
    Education Department and Justice DepartmentRule letting Education Department disqualify PSLF employers stays blocked as appeals are droppedThe rule would have let the Education Secretary strip PSLF eligibility from employers accused of illegal activity. Courts blocked it, and the government dropped two of three appeals on Oct. 21, 2026.Announced Oct 21 · Court ruling · U.S. (federal) · Official notice · The story
  2. Blocked
    U.S. District Court for the Eastern District of TexasCourt vacates CFPB rule on medical information in credit reportsThe court vacated the CFPB's rule on medical information in consumer reports on the joint request of the Bureau and the plaintiffs, so the rule is not in force.Was set for Jul 11, 2025 · Court ruling · U.S. (federal) · Official notice · The story

Stages and dates are as announced by the agency, court, legislature or company named, and can change — rules get delayed, challenged and rewritten. Check the official notice before you act on one. This is general information, not legal advice.