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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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Santander Consumer USA Inc.

On December 22, 2020, the Consumer Financial Protection Bureau (Bureau) issued a consent order against Santander Consumer USA Inc. (Santander). Santander, a subsidiary of Banco Santander S.A., is a leading originator and servicer of nonprime auto loans and leases.

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Washington Federal, N.A.

On October 27, 2020, the Consumer Financial Protection Bureau (Bureau) settled with Washington Federal Bank, N.A., a federally insured, for-profit national bank headquartered in Seattle, Washington.

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Equifax, Inc.

On July 22, 2019, the Consumer Financial Protection Bureau (Bureau), the Federal Trade Commission (FTC), and 48 states, the District of Columbia and Puerto Rico announced a global settlement with Equifax that provides up to $700 million in monetary relief and penalties.

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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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Servis One, Inc., d/b/a BSI Financial Services

The Consumer Financial Protection Bureau (Bureau) today announced a settlement with BSI Financial Services (BSI), a mortgage servicer headquartered in Irving, Texas. BSI Financial Services is the operating name for Servis One, Inc.

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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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Dmitry Fomichev

The Consumer Financial Protection Bureau (CFPB) took action on April 21, 2016 against Dmitry Fomichev, co-founder of T3Leads, a company that resold loan applications containing sensitive personal data to lenders and data brokers without assessing the sources of those leads or the purchasers they sold to. The CFPB filed separate lawsuits against co-founder Davit Gasparyan, a/k/a David Gasparyan on April 21, 2016 and T3Leads and two other individuals in December 2015.

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Davit Gasparyan, a/k/a David Gasparyan

The Consumer Financial Protection Bureau (CFPB) took action on April 21, 2016 against Davit Gasparyan, a/k/a David Gasparyan, co-founder of T3Leads, a company that resold loan applications containing sensitive personal data to lenders and data brokers without assessing the sources of those leads or the purchasers they sold to. The CFPB filed separate lawsuits against co-founder Dmitry Fomichev on April 21, 2016 and T3Leads and two other individuals in December 2015.

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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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Eric V. Sancho d/b/a Lead Publisher

CFPB took action against Eric V. Sancho, who operated a company called Lead Publisher that sold leads to fraudulent debt collectors without regard for how they would use the data. 

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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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