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.
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 .
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.
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.
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.
Servicio UniTeller, Inc.
On December 22, 2022, the Bureau issued an order against Servicio UniTeller, Inc. (UniTeller), a nonbank remittance transfer provider headquartered in Rochelle Park, New Jersey.
Wells Fargo Bank, N.A.
On December 20, 2022, the Bureau issued an order against Wells Fargo Bank, N.A., which is a national bank headquartered in Sioux Falls, South Dakota.
Carrington Mortgage Services, LLC
On November 17, 2022, the Bureau issued an order against Carrington Mortgage Services, LLC, a California-based mortgage servicer operating in all fifty states.
Choice Money Transfer, Inc. d/b/a Small World Money Transfer
On October 4, 2022, the Bureau issued an order against Choice Money Transfer, Inc., which does business as Small World Money Transfer (Choice Money).
Regions Bank
On September 28, 2022, the Bureau issued an order against Regions Bank, a bank headquartered in Birmingham, Alabama with consolidated assets over $163 billion.
Hello Digit, LLC
On August 10, 2022, the Bureau issued an order against Hello Digit, LLC (“Digit”), a financial-technology company that offers consumers an automated-savings tool.
U.S. Bank National Association
On July 28, 2022, the Bureau issued a consent order against U.S. Bank National Association, a national bank headquartered in Minneapolis, Minnesota.
Hyundai Capital America
On July 26, 2022, the Bureau issued a consent order against Hyundai Capital America (HCA), a nonbank automotive finance company based in Irvine, California.
Bank of America, N.A.
On July 14, 2022, 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.
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.