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Enforcement actions

When we take an enforcement action against an entity or person we believe has violated the law, we will post court documents and other related materials here.

The Bureau may enforce the law by filing an action in federal district court or by initiating an administrative adjudication proceeding. Administrative proceedings are conducted by an Administrative Law Judge, who holds hearings and issues a recommended decision. Proceedings are conducted in accordance with the Rules of Practice for Adjudication Proceedings .

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Date filed:

U.S. Bank National Association

On December 19, 2023, the Bureau issued an order against U.S. Bank in connection with its administration of prepaid debit cards that held unemployment insurance benefits.
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Commonwealth Financial Systems, Inc.

On December 15, 2023, the Bureau issued an order against Commonwealth Financial Systems, Inc. (Commonwealth), a Pennsylvania-based third-party debt collection company that collects past-due medical debts and furnishes information about consumers to consumer reporting agencies (CRAs).
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Atlantic Union Bank

On December 7, 2023, the Bureau issued an order against Atlantic Union Bank, a regional bank headquartered in Richmond, Virginia.
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Bank of America, N.A.

On November 28, 2023, the Bureau issued an order against Bank of America, N.A., which is a national bank headquartered in Charlotte, North Carolina with branches and ATMs located in 38 states and the District of Columbia.
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Toyota Motor Credit Corporation

On November 20, 2023, the Bureau issued an order against Toyota Motor Credit Corporation (“Toyota Credit”), which is the United States-based auto-financing arm of Toyota Motor Corporation and one of the largest indirect auto lenders in the country.
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Enova International, Inc.

On November 15, 2023, the Bureau issued an order against Enova International, Inc., a publicly-traded online small-dollar lender, headquartered in Chicago, Illinois, that markets, provides, and services loans under the brand names CashNetUSA (CNU) and NetCredit.
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Citibank, N.A.

On November 8, 2023, the Bureau issued an order against Citibank, N.A., which is a national bank headquartered in New York City, New York.
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Chime, Inc. d/b/a Sendwave

On October 17, 2023, the Bureau issued an order against Chime, Inc. doing business as Sendwave, a nonbank remittance transfer provider headquartered in Boston, Massachusetts.
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TransUnion, Trans Union LLC, and TransUnion Interactive, Inc.

On October 12, 2023, the Bureau issued an order against TransUnion, parent company of one of the three nationwide consumer reporting agencies, and two of its subsidiaries, Trans Union LLC, and TransUnion Interactive, Inc., which are headquartered in Chicago, Illinois.
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Tempoe, LLC

On September 11, 2023, the Bureau issued an order against Tempoe, LLC, a nonbank consumer finance company, with offices in Cincinnati, Ohio and Manchester, New Hampshire.
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Freedom Mortgage Corporation

On August 17, 2023, the Bureau issued an order against Freedom Mortgage Corporation (Freedom), a residential mortgage loan originator and servicer headquartered in Boca Raton, Florida.
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Realty Connect USA Long Island, Inc.

On August 17, 2023, the Bureau issued an order against Realty Connect USA Long Island, Inc. (Realty Connect), a real estate brokerage firm based in Suffolk County, New York.
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Bank of America, N.A.

On July 11, 2023, the Bureau issued an order against Bank of America, N.A., which is a national bank headquartered in Charlotte, North Carolina with branches and ATMs located in 38 states and the District of Columbia.
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Bank of America, N.A.

On July 11, 2023, the Bureau issued an order against Bank of America, N.A., which is a depository institution based in Charlotte, North Carolina to address the Bureau’s findings regarding the bank’s opening unauthorized consumer financial accounts and its misleading statements regarding certain credit cards rewards.
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ACI Worldwide Corp. and ACI Payments Inc.

On June 27, 2023, the Bureau issued an order against ACI Worldwide Corp. and ACI Payments Inc. (collectively, ACI), a nationwide payment processor headquartered in Elkhorn, Nebraska.
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Phoenix Financial Services, LLC

On June 8, 2023, the Consumer Financial Protection Bureau (Bureau) issued an order against Phoenix Financial Services, LLC (Phoenix), an Indiana-based debt collector that collects primarily past-due medical debts and furnishes information about consumers to consumer reporting agencies (CRAs).
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OneMain Financial Holdings, LLC; OneMain Financial Group, LLC; OneMain Financial (HI), Inc.; OneMain Financial, Inc.; OneMain Financial of Minnesota, Inc.

On May 31, 2023, the Consumer Financial Protection Bureau (Bureau) issued an order against OneMain Financial Holdings, LLC; OneMain Financial Group, LLC; OneMain Financial (HI), Inc.; OneMain Financial, Inc.; and OneMain Financial of Minnesota, Inc. (collectively referred to as OneMain). OneMain is an Indiana-based personal loan installment lender with more than 1,400 branches across 44 states.
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RMK Financial Corp. d/b/a Majestic Home Loan or MHL

On February 27, 2023, the Consumer Financial Protection Bureau (Bureau) issued an order against RMK Financial Corp. (RMK), a California-based mortgage lender that also does business under the name Majestic Home Loans.
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TMX Finance LLC

On February 23, 2023, the Bureau issued an order against TitleMax parent company TMX Finance LLC, which extends consumer loans that are secured by the title to the borrower’s car.
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Servicio UniTeller, Inc.

On December 22, 2022, the Bureau issued an order against Servicio UniTeller, Inc. (UniTeller), a nonbank remittance transfer provider headquartered in Rochelle Park, New Jersey.
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Wells Fargo Bank, N.A.

On December 20, 2022, the Bureau issued an order against Wells Fargo Bank, N.A., which is a national bank headquartered in Sioux Falls, South Dakota.
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Carrington Mortgage Services, LLC

On November 17, 2022, the Bureau issued an order against Carrington Mortgage Services, LLC, a California-based mortgage servicer operating in all fifty states.
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Regions Bank

On September 28, 2022, the Bureau issued an order against Regions Bank, a bank headquartered in Birmingham, Alabama with consolidated assets over $163 billion.
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Hello Digit, LLC

On August 10, 2022, the Bureau issued an order against Hello Digit, LLC (“Digit”), a financial-technology company that offers consumers an automated-savings tool.