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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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Townstone Financial, Inc.

On July 15, 2020, the Consumer Financial Protection Bureau filed a lawsuit in federal district court in the Northern District of Illinois against Townstone Financial, Inc., a nonbank retail-mortgage creditor based in Chicago. The Bureau alleges that Townstone violated the Equal Credit Opportunity Act; its implementing regulation, Regulation B; and the Consumer Financial Protection Act.

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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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Synchrony Bank, f/k/a GE Capital Retail Bank

The Bureau ordered GE Capital Retail Bank, now known as Synchrony Bank, to provide an estimated $225 million in relief to consumers harmed by illegal and discriminatory credit card practices.

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Ally Financial Inc. and Ally Bank

The CFPB ordered Ally Financial Inc. and Ally Bank to pay $80 million in damages to African-American, Hispanic, and Asian and Pacific Islander consumers harmed by Ally's discriminatory auto loan pricing, and $18 million in civil money penalties. 

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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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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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Fifth Third Bank

The Consumer Financial Protection Bureau (CFPB) took action against Fifth Third Bank for discriminatory auto loan pricing.

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American Honda Finance Corporation

The Consumer Financial Protection Bureau (CFPB) and Department of Justice (DOJ) resolved an action with American Honda Finance Corporation that will put new measures in place to address discretionary auto loan pricing and compensation practices.

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National City Bank

The CFPB ordered National City Bank to pay $80 million in damages to African-American, Hispanic, and Asian and Pacific Islander consumers harmed by National City Banks' discriminatory auto loan pricing, and $18 million in civil money penalties. 

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Provident Funding Associates, L.P.

The Consumer Financial Protection Bureau (CFPB) and the Department of Justice (DOJ) filed a joint complaint against Provident Funding Associates for charging higher broker fees on mortgage loans to African-American and Hispanic borrowers. 

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Hudson City Savings Bank, F.S.B.

The Consumer Financial Protection Bureau (CFPB) and the Department of Justice (DOJ) announced a joint action against Hudson City Savings Bank for discriminatory redlining practices that denied residents in majority-Black-and-Hispanic neighborhoods fair access to mortgage loans. 

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Toyota Motor Credit Corporation

The Consumer Financial Protection Bureau (CFPB) and Department of Justice (DOJ) resolved an action with Toyota Motor Credit Corporation, under which Toyota Motor Credit will change its pricing and compensation system to substantially reduce dealer discretion and accompanying financial incentives to mark up interest rates. 

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Nationstar Mortgage LLC

The Consumer Financial Protection Bureau (CFPB) took action against Nationstar Mortgage for flawed mortgage loan reporting.

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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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Freedom Mortgage Corporation

The Consumer Financial Protection Bureau (Bureau) today announced a settlement with Freedom Mortgage Corporation (Freedom), one of the ten largest Home Mortgage Disclosure Act (HMDA) reporters nationwide.

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