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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 .

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Mortgage Master, Inc.

The Bureau ordered Mortgage Master to pay a civil penalty of $425,000, correct and resubmit its 2011 HMDA data, and develop and implement an effective HMDA compliance management system to prevent future violations of the Home Mortgage Disclosure Act (HMDA).

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Washington Federal

The Consumer Financial Protection Bureau (CFPB) ordered Mortgage Master, Inc. and Washington Federal to pay civil penalties for violating the Home Mortgage Disclosure Act (HMDA).

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Meracord LLC and Linda Remsberg

The Consumer Financial Protection Bureau (CFPB) announced an enforcement action against Meracord LLC, a leading debt-settlement payment processor, for allegedly helping others to collect millions of dollars in illegal upfront fees from consumers.

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Morgan Drexen, Inc. and Walter Ledda

The CFPB filed a lawsuit in federal district court against a Nevada corporation, Morgan Drexen, Inc., and its president and chief executive officer, Walter Ledda, for charging illegal upfront fees and deceiving consumers. 

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U.S. Bank National Association

The CFPB ordered U.S. Bank and one of its nonbank partner companies, Dealers’ Financial Services, to end deceptive marketing and lending practices targeting active-duty military. 

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Dealers’ Financial Services, LLC

The CFPB ordered U.S. Bank and one of its nonbank partner companies, Dealers’ Financial Services, to end deceptive marketing and lending practices targeting active-duty military. 

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3D Resorts-Bluegrass, LLC (Green Farm)

In the bankruptcy action, the CFPB filed a proof of claim related to potential violations including alleged misrepresentations by a developer/lot seller and others regarding the registration, marketing, and sale of certain lots on a property known as the Green Farms Resort in Grayson and Breckinridge Counties, Kentucky. 

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Mortgage Guaranty Insurance Corporation

The CFPB filed complaints and proposed consent orders against four national mortgage insurance companies in order to stop improper kickbacks paid by mortgage insurers to mortgage lenders in exchange for business, which have been prevalent for more than 10 years. 

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Genworth Mortgage Insurance Corporation

The CFPB filed complaints and proposed consent orders against four national mortgage insurance companies in order to stop improper kickbacks paid by mortgage insurers to mortgage lenders in exchange for business, which have been prevalent for more than 10 years. 

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Radian Guaranty, Inc.

The CFPB filed complaints and proposed consent orders against four national mortgage insurance companies in order to stop improper kickbacks paid by mortgage insurers to mortgage lenders in exchange for business, which have been prevalent for more than 10 years. 

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United Guaranty Corporation

The CFPB filed complaints and proposed consent orders against four national mortgage insurance companies in order to stop improper kickbacks paid by mortgage insurers to mortgage lenders in exchange for business, which have been prevalent for more than 10 years. 

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American Express Centurion Bank

This action is the result of a multi-part federal investigation which found that at every stage of the consumer experience, from marketing to enrollment to payment to debt collection, American Express violated consumer protection laws.

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American Express Bank, FSB

This action is the result of a multi-part federal investigation which found that at every stage of the consumer experience, from marketing to enrollment to payment to debt collection, American Express violated consumer protection laws.

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American Express Travel Related Services Company, Inc.

This action is the result of a multi-part federal investigation which found that at every stage of the consumer experience, from marketing to enrollment to payment to debt collection, American Express violated consumer protection laws.

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Discover Bank

This action results from an investigation started by the FDIC which the CFPB joined in 2011.

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Capital One Bank

This action results from a CFPB examination that identified deceptive marketing tactics used by Capital One’s vendors to pressure or mislead consumers into paying for “add-on products” such as payment protection and credit monitoring when they activated their credit cards.

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