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Docket of the Office of Administrative Adjudication

The OAA docket includes all public documents filed in administrative proceedings before the Office of Administrative Adjudication. The docket does not include documents containing confidential information covered under a protective order or other order authorizing confidential treatment.

Types of proceedings in the OAA docket:

Administrative adjudication

The Bureau initiates an administrative adjudication proceeding by filing a notice of charges. Administrative adjudications are conducted by an administrative law judge, who holds formal hearings and issues a recommended decision.

Stipulation and consent order

Stipulations and consent orders consist of proceedings where the parties agree to settlement and file a stipulation and a consent order before the filing of a notice of charges.

Not all enforcement actions initiated by the Bureau are filed with the Office of Administrative Adjudication. The Enforcement docket includes proceedings not filed with the Office of Administrative Adjudication, such as federal district court cases.


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Filed

Bank of America, N.A.

On May 4, 2022, the Bureau issued a consent order against Bank of America, N.A., an insured depository institution, to address Bank of America’s processing of garnishment notices.

Filed

Edfinancial Services

On March 30, 2022, the Bureau issued an order against Edfinancial Services, LLC. (Edfinancial). Edfinancial, headquartered in Knoxville, Tennessee, is a student loan servicer that services both FFELP loans, which are loans from private companies, and Direct Loans, which are loans directly from the Department of Education.

Filed

JPay, LLC

On October 19, 2021, the Bureau issued a consent order against JPay, LLC (JPay). JPay, headquartered in Miramar, Florida, contracts with Departments of Corrections around the country to provide financial products and services to incarcerated and formerly incarcerated individuals.

Filed

Better Future Forward, Inc.

On September 7, 2021, the Bureau issued a consent order against Better Future Forward, Inc.; Better Future Forward Manager, LLC; Better Future Forward Opportunity ISA Fund (CP1), LLC; and Better Future Forward Opportunity ISA Fund (CH1), LLC (collectively, “BFF”), which are companies that provide students with income-share agreements (ISAs) to finance postsecondary education.

Filed

GreenSky, LLC

On July 12, 2021, the Bureau issued a consent order against GreenSky LLC (GreenSky), a financial technology company that services and facilitates the origination of consumer loans.

Category: Stipulation and consent order |
Filed

3rd Generation, Inc. d/b/a California Auto Finance

On May 21, 2021, the Bureau issued a consent order against 3rd Generation, Inc., a California corporation doing business as California Auto Finance (California Auto).

Category: Stipulation and consent order |
Filed

Nationwide Equities Corporation

On April 27, 2021, the Bureau issued a consent order against Nationwide Equities Corporation (NWEC), a reverse mortgage broker and lender.

Category: Stipulation and consent order |
Filed

Yorba Capital Management, LLC and Daniel Portilla, Jr.

On April 6, 2021, the Bureau issued a consent order against Yorba Capital Management, LLC, a third-party debt collection company, headquartered in Anaheim California, and its former sole owner and managing member, Daniel Portilla, Jr.

Category: Stipulation and consent order |
Filed

Santander Consumer USA Inc.

On December 22, 2020, the Consumer Financial Protection Bureau (Bureau) issued a consent order against Santander Consumer USA Inc. (Santander). Santander, a subsidiary of Banco Santander S.A., is a leading originator and servicer of nonprime auto loans and leases.

Category: Stipulation and consent order |
Filed

Envios de Valores La Nacional Corp.

On December 21, 2020, the Bureau issued a Consent Order against Envios de Valores La Nacional (La Nacional). La Nacional provides remittance transfers to several countries overseas through a network of branches and over 1,400 agents.

Category: Stipulation and consent order |
Filed

Seterus, Inc. and Kyanite Services, Inc.

On December 18, 2020, the Consumer Financial Protection Bureau (Bureau) issued a consent order against Seterus, Inc. (Seterus), a former mortgage servicer based in North Carolina, and Kyanite Services, Inc. (Kyanite).

Category: Stipulation and consent order |
Filed

RAB Performance Recoveries, LLC

On December 8, 2020, the Consumer Financial Protection Bureau (Bureau) issued a consent order against RAB Performance Recoveries, LLC (RAB) threatening to sue and suing to collect debts where it did not have a legally required license to do so.

Filed

U.S. Equity Advantage, Inc. and Robert M. Steenbergh

On November 20, 2020, the Bureau issued a consent order against U.S. Equity Advantage, Inc. (USEA) and its owner, Robert M. Steenbergh. Robert M. Steenbergh is the founder, sole-owner, and chief executive officer of USEA, a nonbank located in Orlando, Florida.

Category: Stipulation and consent order |
Filed

Afni, Inc.

On November 12, 2020, the Bureau issued a consent order against Afni, Inc., a non-bank third-party debt collector located based in Illinois that specializes in collecting telecommunications debt.

Filed

SMART Payment Plan, LLC

On November 2, 2020, the CFPB issued a consent order against SMART Payment Plan, LLC, finding that the company’s disclosures of its loan payment program contained misleading statements.

Please Note

The Office of Administrative Adjudication is not authorized to receive or act upon consumer complaints about consumer financial products or services. Consumer complaints can be submitted online or by calling the CFPB toll-free at 855-411-CFPB (2372); TTY/TDD Phone 855-729-CFPB (2372).