Affinion Group Holdings, Inc., Affinion Group Inc., Affinion Group, LLC, et al.
On July 1, 2015, the Bureau filed a complaint against Affinion Group Holdings, Inc., Affinion Group, Inc., Affinion Group, LLC, Affinion Benefits Group, LLC, Trilegiant Corporation, Watchguard Registration Services, Inc., and Global Protection Solutions, LLC, along with a proposed stipulated final judgment and order. The defendants are Delaware corporations based in Connecticut or Tennessee, which collectively advertised, sold, and delivered identity theft and credit monitoring products to consumers by establishing marketing and service agreements with banks. The Bureau alleged that defendants engaged in deceptive and unfair acts and practices in violation of the Consumer Financial Protection Act of 2010. On October 27, 2015, the court entered the stipulated final judgment and order. It required defendants to pay $6,756,025 in consumer redress, pay $1,900,000 in civil money penalties, and come into compliance with the law.
Paragraphs 53 and 54 of the order provided that the court retained jurisdiction for “construction, modification, and enforcement” of the order, that the parties can make administrative modifications to certain provisions of the order by agreement, and that any other modifications may be made upon approval of the court by motion of any party. In light of these provisions, on January 27, 2026, several defendants filed a motion to terminate the stipulated final judgment and order and dismiss the case with prejudice, to which the Bureau consented. As set forth in the motion, defendants fully disbursed the consumer redress as required under Section IV of the order, paid the civil money penalty to the Bureau as required under Section V of the order, and to the best of defendants’ knowledge, substantially complied with the other conduct provisions of the order. On February 4, 2026, the court terminated the stipulated final judgment and order and dismissed the case with prejudice.
Related documents
Stipulated Final Judgement and Order
Press release
CFPB Takes Action Against Companies for Unfair Billing of Credit Card Add-On Products and Services