Atlantic Union Bank
On December 7, 2023, the Bureau issued an order against Atlantic Union Bank, a regional bank headquartered in Richmond, Virginia.
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 .
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.
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.
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.
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.
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.
TransUnion Rental Screening Solutions, Inc. and Trans Union LLC
On October 12, 2023, the Bureau and the Federal Trade Commission filed a joint complaint and stipulated order against TransUnion Rental Screening Solutions, Inc., a Delaware corporation with its principal place of business in Greenwood Village, Colorado, and its parent company, Trans Union LLC, a Delaware company with its principal place of business in Chicago, Illinois.
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.
Freedom Mortgage Corporation
On October 10, 2023, the Bureau filed a lawsuit against Freedom Mortgage Corporation (Freedom), a residential mortgage loan originator and servicer headquartered in Boca Raton, Florida.
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.
Heights Finance Holding Co. f/k/a Southern Management Corporation, et al.
On August 22, 2023, the Bureau filed a lawsuit against Heights Finance Holding Co. f/k/a Southern Management Corporation as well as its wholly owned, state-licensed subsidiaries.
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.
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.
USASF Servicing, LLC
On August 2, 2023, the Bureau filed a lawsuit against USASF Servicing, LLC, an auto-loan servicer headquartered in Lawrenceville, Georgia.
Snap Finance LLC, Snap RTO LLC, Snap Second Look LLC, Snap U.S. Holdings LLC, Snap Finance Holdings LLC
On July 19, 2023, the Bureau filed a lawsuit against Snap Finance LLC, Snap RTO LLC, Snap Second Look LLC, Snap U.S. Holdings LLC, and Snap Finance Holdings LLC (collectively, Snap), a group of interrelated companies headquartered in West Valley, Utah.
Prehired, LLC, Prehired Recruiting, LLC, and Prehired Accelerator, LLC
On July 13, 2023, the Bureau and several state partners filed a complaint in an adversary proceeding against Prehired, LLC, Prehired Recruiting, LLC, and Prehired Accelerator, LLC.
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.
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.
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.
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).
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.
James R. Carnes; Melissa C. Carnes; James R. Carnes Revocable Trust; Melissa C. Carnes Revocable Trust
On April 5, 2023, the Bureau filed a lawsuit against James R. Carnes and his wife, Melissa C. Carnes, both individually and in their roles as co-trustees of two trusts, as a result of James Carnes’s efforts to conceal assets and avoid paying a judgment of more than $43 million to the Bureau.
Portfolio Recovery Associates, LLC
On March 23, 2023, the Bureau filed a complaint and proposed stipulated final judgment and order to resolve the Bureau's claims against Portfolio Recovery...
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.
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.