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
Commercial Credit Consultants	Civil Penalty Fund
Corinthian Colleges (Closed)	Bureau-Administered Redress
Fay Servicing, LLC	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	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
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.US (Closed)	Bureau-Administered Redress and Civil Penalty Fund
JPMorgan Chase (Closed)	Bureau-Administered Redress
Main Street Personal Finance, Inc.	Bureau Administered Redress and Civil Penalty Fund
Meracord (Closed)	Civil Penalty Fund
Military Assistance Company, LLC (MAC) (Closed)	Bureau-Administered Redress
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
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