Northern Resolution Group, LLC, Douglas MacKinnon, Mark Gray, Enhanced Acquisitions, LLC, and Delray Capital, LLC,
On November 2, 2016, the Consumer Financial Protection Bureau (Bureau), in partnership with the New York Attorney General, filed a lawsuit in federal district court against debt collectors Northern Resolution Group, LLC, Douglas MacKinnon, Mark Gray, Enhanced Acquisitions, LLC, and Delray Capital, LLC. The individuals and companies are debt-collectors who conducted business together based in Buffalo, New York. The Bureau and New York Attorney General alleged that the defendants violated the Consumer Financial Protection Act of 2010; the Bureau alleged that the defendants violated the Fair Debt Collection Practices Act; and the New York Attorney General alleged that the defendants violated New York laws in connection with the collection of consumer debt, placement of consumer debts for collection, and related activities.
On July 25, 2019, the Bureau and the New York Attorney General filed proposed settlements with the defendants. Under the proposed settlement with Northern Resolution Group, MacKinnon, and Enhanced Acquisitions, they will be banned from the industry and must pay $60 million. Under the proposed settlement with Delray Capital and Gray, they will be banned from the industry and a judgment for civil money penalties and redress will be entered against them.
Related documents
Final judgment and stipulated order for NRG, et al.
Final judgment and stipulated order for Delray, Gray
Press release
CFPB and the New York Attorney General Settle with Debt Collection Group
CFPB and New York Attorney General File Lawsuit Against Illegal Nationwide Debt Collection Scheme