2025 Enforcement lookback

During 2025, the CFPB has taken several steps to implement and enforce consumer financial laws consistently to ensure that markets, products, and services are fair, transparent, and competitive. The CFPB is now focusing its enforcement resources on:

• pressing threats to consumers, particularly servicemembers and their families, and veterans;
• actual consumer fraud where there are identifiable victims with material and measurable consumer damages as opposed to matters based on the perception that consumers made “wrong” choices;
• areas that are clearly within the CFPB’s statutory authority and not pursuing matters under novel legal theories, including of the CFPB’s authority;
• avoiding duplicating similar oversight either at the federal or state level; and
• actual intentional discrimination with actual identified victims.

During the reporting period, the CFPB closed approximately 40 percent of its pending investigations consistent with its new enforcement priorities. For example, the CFPB closed investigations involving deprioritized markets such as students and matters that were based on the perception that consumers made “wrong” choices rather than addressing actual fraud with identifiable victims with material and measurable damages. Consistent with Executive Order 14281, concerning disparate impact, the CFPB closed all elements of open enforcement investigations that relied on disparate impact liability. The CFPB also terminated consent orders and issued a no-action letter in actions based on redlining or similar theories of liability.

The CFPB has also taken substantial steps between January 31 and December 31, 2025, to align then-pending public enforcement actions with its new priorities. A summary of the public enforcement actions that the CFPB stopped and those it determined to continue is outlined below.