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.
RAM Payment, LLC, also dba Reliant; Account Management Systems, LLC, fka Reliant Account Management; Gregory Winters; and Stephen Chaya
On May 11, 2022, the Bureau issued an order against Tennessee-based RAM Payment, LLC and Account Management Systems, LLC (AMS) and AMS’s co-founders, Gregory Winters and Stephen Chaya.
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.
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.
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.
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.
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.
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).
Nationwide Equities Corporation
On April 27, 2021, the Bureau issued a consent order against Nationwide Equities Corporation (NWEC), a reverse mortgage broker and lender.
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.
Omni Financial of Nevada, Inc.
On December 30, 2020, the Consumer Financial Protection Bureau issued a consent order against Omni Financial of Nevada, Inc.
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.
Discover Bank, The Student Loan Corporation, and Discover Products, Inc.
On December 22, 2020, the Bureau issued a consent order against Discover Bank, The Student Loan Corporation, and Discover Products, Inc. (collectively, Discover). Discover Bank, headquartered in Greenwood, Delaware, is an insured depository institution that provides and services private student loans.
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.
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).
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.
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.
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.
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.
Low VA Rates, LLC
On October 26, 2020, the Consumer Financial Protection Bureau (Bureau) issued a consent order against Low VA Rates, LLC (Low VA Rates), a Utah-based mortgage lender and broker incorporated in Colorado and licensed in 48 states and the District of Columbia.
Washington Federal, N.A.
On October 20, 2020, the Consumer Financial Protection Bureau (Bureau) settled with Washington Federal Bank, N.A., a federally insured, for-profit national bank headquartered in Seattle, Washington.
Nissan Motor Acceptance Corporation
On October 13, 2020, the Consumer Financial Protection Bureau issued a consent order against Nissan Motor Acceptance Corporation, an auto financing subsidiary of Nissan North America, Inc.
Lobel Financial Corporation
On September 21, 2020, the Bureau issued a consent order against Lobel Financial Corporation, an auto-loan servicer based in Anaheim, California.
ClearPath Lending, Inc.
On September 14, 2020, the Consumer Financial Protection Bureau issued a consent order against ClearPath Lending, Inc. (ClearPath), a California corporation that is licensed as a mortgage broker or lender in about 22 states.