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Payments to harmed consumers by case

When we take an enforcement action against a person or company for violating a consumer financial protection law, sometimes the person or company may have to compensate its consumers for the harm it caused. 

Some payments are administered by the defendant (called the “respondent” in an administrative action). In other cases, we may require the person or company that violated the law to make the payment to the CFPB, and then we distribute that money to the victims.

In many cases, defendants administer redress payments themselves or through a designated settlement administrator. The specifics of the redress process are decided on a case-by-case basis within each individual enforcement action.

For questions related to payments in a case with defendant-administered redress, please contact the defendant company directly. 

In some cases, an order may require the person or company that violated the law to pay the redress to us, and then we will distribute that money to victims.  We will often hire a third-party administrator to send out these payments to victims.

For questions related to payments in a case with Bureau-administered redress, please see the individual cases below.

In some cases, when the available redress is insufficient to fully compensate consumers for the harm they have suffered, the Bureau may compensate victims from the Bureau’s Civil Penalty Fund. The money in the Civil Penalty Fund comes from penalties that the Bureau obtains in enforcement actions against entities and individuals who have violated the law.

Civil Penalty Fund and Bureau-administered redress payments to victim classes

Defendant name Type of compensation

American Debt Settlement Solutions, Inc. (Closed)

Civil Penalty Fund

Amerisave Mortgage Corporation (Closed)

Bureau-Administered Redress and Civil Penalty Fund

Castle & Cooke Mortgage, LLC (Closed)

Bureau-Administered Redress

Certified Forensic Loan Auditors et al. 

Civil Penalty Fund 

Colfax Capital Corporation (Closed)

Civil Penalty Fund

College Education Services (Closed)

Civil Penalty Fund

College Financial Advisory

Civil Penalty Fund

Commercial Credit Consultants

Civil Penalty Fund

Corinthian Colleges (Closed)

Bureau-Administered Redress

Fay Servicing, LLC (Closed)

Bureau-Administered Redress

Federal Debt Assistance Association (FDAA)

Civil Penalty Fund 

Flagstar Bank, F.S.B. (Closed)

Bureau-Administered Redress

Franklin Loan Corporation (Closed)

Bureau-Administered Redress

Freedom Debt Relief, LLC  (Closed)

Bureau-Administered Redress

Freedom Stores, Inc. (Closed)

Bureau-Administered Redress

Genuine Title (Closed)

Bureau-Administered Redress

Global Client Solutions (Closed)

Bureau-Administered Redress and Civil Penalty Fund

Gordon, et al.  (Closed)

Civil Penalty Fund

Green Tree Servicing, LLC (Closed)

Bureau-Administered Redress

GST Factoring, Inc.; Amanda Johanson; David Mize; Jacob Slaughter; Daniel Ruggiero et al.

Bureau-Administered Redress and Civil Penalty Fund

Hoffman Law Group (Closed)

Bureau-Administered Redress and Civil Penalty Fund

Howard Law

Bureau Administered Redress & Civil Penalty Fund

Hydra Group

Bureau-Administered Redress and Civil Penalty Fund

IrvineWebWorks, Inc. d/b/a Student Loan Processing (Closed)

Bureau-Administered Redress and Civil Penalty Fund 

JPay, LLC

Bureau-Administered Redress

JPMorgan Chase (Closed)

Bureau-Administered Redress

Main Street Personal Finance, Inc. (Closed)

Bureau Administered Redress and Civil Penalty Fund 

Meracord (Closed)

Civil Penalty Fund

Military Assistance Company, LLC (MAC) (Closed)

Bureau-Administered Redress

Monster Loans

Civil Penalty Fund

Morgan Drexen

Bureau-Administered Redress and Civil Penalty Fund

The Mortgage Law Group (Closed)

Civil Penalty Fund

National Corrective Group, Inc. (Closed)

Civil Penalty Fund

National Legal Help Center (Closed)

Civil Penalty Fund

Omni Financial

Civil Penalty Fund

Payday Loan Debt Solution, Inc. (Closed)

Bureau-Administered Redress and Civil Penalty Fund

Premier Student Loan Center

Civil Penalty Fund

Prime Marketing Holdings, LLC

Civil Penalty Fund

Residential Credit Solutions, Inc. (Closed)

Bureau-Administered Redress

RPM Mortgage (Closed)

Bureau-Administered Redress

Security National Automotive Acceptance Company, LLC (Closed)

Bureau-Administered Redress

SMART Payment Plan, LLC

Civil Penalty Fund  

Stephen Lyster Siringoringo also d/b/a Siringoringo Law Firm, Clausen & Cobb Management Company, Inc., and Joshua Cobb

Civil Penalty Fund

Student Aid Institute (Closed)

Civil Penalty Fund

Student Financial Aid Services (Closed)

Bureau-Administered Redress and Civil Penalty Fund

S/W Tax Loans, Inc. (Closed)

Bureau-Administered Redress

Triton Management Group (Closed)

Bureau-Administered Redress and Civil Penalty Fund

Union Workers Credit Services (Closed)

Civil Penalty Fund

U.S. Equities Advantage, Inc.

Civil Penalty Fund

World Law (Closed)

Bureau-Administered Redress and Civil Penalty Fund 

Yorba Capital Management, LLC

Civil Penalty Fund

3D Resorts Bluegrass LLC (Closed)

Bureau-Administered Redress and Civil Penalty Fund