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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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57 filtered results
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Citibank, N.A.

Today the Bureau of Consumer Financial Protection (Bureau) announced a settlement with Citibank, N.A.

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American Express Centurion Bank and American Express Bank, FSB

The Consumer Financial Protection Bureau (CFPB) took action against American Express Centurion Bank and American Express Bank, FSB for discriminating against consumers in Puerto Rico, the U.S. Virgin Islands, and other U.S. territories by providing them with credit and charge card terms that were inferior to those available in the 50 U.S. states. American Express also discriminated against certain consumers with Spanish-language preferences. 

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TCF National Bank

The Bureau of Consumer Financial Protection (Bureau) obtained a federal district court order approving its settlement with TCF National Bank regarding its marketing and sale of overdraft services. 

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UniRush LLC and Mastercard International Incorporated

The Consumer Financial Protection Bureau took action against Mastercard and UniRush for breakdowns that left tens of thousands of economically vulnerable RushCard users unable to access their own money to pay for basic necessities.

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Wells Fargo Bank, N.A.

Today the Consumer Financial Protection Bureau (CFPB) fined Wells Fargo Bank, N.A. $100 million for the widespread illegal practice of secretly opening unauthorized deposit and credit card accounts. Spurred by sales targets and compensation incentives, employees boosted sales figures by covertly opening accounts and funding them by transferring funds from consumers’ authorized accounts without their knowledge or consent, often racking up fees or other charges.

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First National Bank of Omaha

The Consumer Financial Protection Bureau (CFPB) has ordered First National Bank of Omaha to provide $27.75 million in relief to roughly 257,000 consumers harmed by illegal practices with credit card add-on products. The bank used deceptive marketing to lure consumers into debt cancellation add-on products and it charged consumers for credit monitoring services they did not receive. First National Bank of Omaha will also pay a $4.5 million civil money penalty to the CFPB.

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Santander Bank, N.A.

The Consumer Financial Protection Bureau (CFPB) ordered Santander Bank, N.A. to pay a $10 million fine for illegal overdraft service practices.  Santander’s telemarketing vendor deceptively marketed the overdraft service and signed certain of the bank’s customers up for the service without their consent.

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Dwolla, Inc.

The Consumer Financial Protection Bureau took action against online payment platform Dwolla for deceiving consumers about its data security practices and the safety of its online payment system. 

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Fifth Third Bank (Credit Cards Add-Ons)

The CFPB took action against Fifth Third for deceptive marketing of credit card add-on products. The action requires the bank to provide an estimated $3 million in relief to eligible harmed consumers and pay a $500,000 penalty.

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Springstone Financial, LLC

CFPB has ordered Springstone Financial, LLC to provide $700,000 in relief to victims of deceptive credit enrollment tactics.

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Residential Credit Solutions, Inc.

CFPB took action against Residential Credit Solutions, Inc. for blocking consumers’ attempts to save their homes from foreclosure.

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Paymap, Inc.

CFPB took action today against Paymap Inc. and LoanCare, LLC for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments.

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LoanCare LLC.

CFPB took action today against Paymap Inc. and LoanCare, LLC for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments.

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Intersections, Inc.

CFPB took action against two credit card add-on product vendors – Affinion Group Holdings, Inc., Affinion’s affiliated companies, and Intersections Inc. – for unfairly charging consumers for credit card add-on benefits they did not receive.

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Affinion Group Holdings, Inc., Affinion Group Inc., Affinion Group, LLC, et al.

The Consumer Financial Protection Bureau (CFPB) took action against two credit card add-on product vendors – Affinion Group Holdings, Inc., Affinion’s affiliated companies, and Intersections Inc. – for unfairly charging consumers for credit card add-on benefits they did not receive. 

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Guarantee Mortgage Corporation

CFPB ordered a California mortgage bank, Guarantee Mortgage Corporation, to pay a civil penalty of $228,000 for paying its branch managers based, in part, on the interest rates of the loans they closed.

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Regions Bank

CFPB took action against Regions Bank for charging overdraft fees to consumers who had not opted in for overdraft coverage.

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R M K Financial Corporation d/b/a Majestic Home Loans

CFPB took action against RMK Financial Corporation for deceptive mortgage advertising practices, including ads that led consumers to believe that the company was affiliated with the U.S. government.

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