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.
On April 5, 2023, the Bureau filed a lawsuit against James R. Carnes and his wife, Melissa C. Carnes, both individually and in their roles as co-trustees of two trusts, as a result of James Carnes’s efforts to conceal assets and avoid paying a judgment of more than $43 million to the Bureau.
On March 23, 2023, the Bureau filed a complaint and proposed stipulated final judgment and order to resolve the Bureau's claims against Portfolio Recovery...
On September 7, 2021, the Bureau issued a consent order against Better Future Forward, Inc.; Better Future Forward Manager, LLC; Better Future Forward Opportunity ISA Fund (CP1), LLC; and Better Future Forward Opportunity ISA Fund (CH1), LLC (collectively, “BFF”), which are companies that provide students with income-share agreements (ISAs) to finance postsecondary education.
On July 12, 2021, the Bureau issued a consent order against GreenSky LLC (GreenSky), a financial technology company that services and facilitates the origination of consumer loans.
On June 28, 2021, the Bureau filed a lawsuit in the United States District Court for the Northern District of Georgia, and on the following day, the Bureau filed a proposed stipulated final judgment and order against Burlington Financial Group, LLC, and its principals, Richard Burnham, Katherine Burnham, and Sang Yi, which the court entered the same day.
On May 21, 2021, the Bureau issued a consent order against 3rd Generation, Inc., a California corporation doing business as California Auto Finance (California Auto).
On April 22, 2021, the Bureau filed a lawsuit in the Western District of New York against Douglas MacKinnon, who operated a debt-collection enterprise, and Amy MacKinnon, Mary-Kate MacKinnon, and Matthew MacKinnon, relatives of Douglas MacKinnon.
On April 13, 2021, the Bureau filed a proposed stipulated final judgment and order in U.S. District Court to resolve allegations that SettleIt, Inc., a California-based debt-settlement company, violated the Telemarketing Sales Rule and engaged in abusive acts and practices under the Consumer Financial Protection Act.
On April 6, 2021, the Bureau issued a consent order against Yorba Capital Management, LLC, a third-party debt collection company, headquartered in Anaheim California, and its former sole owner and managing member, Daniel Portilla, Jr.
On March 16, 2021, the Bureau filed a lawsuit in U.S. District Court for the Central District of California against Student Loan Pro, Judith Noh, and Syed Gilani.
On March 3, 2021, the Bureau filed a lawsuit in the U.S. District Court for the Northern District of Illinois against BrightSpeed Solutions, Inc. (BrightSpeed) and its founder and former chief executive officer, Kevin Howard.
On December 8, 2020, the Consumer Financial Protection Bureau (Bureau) issued a consent order against RAB Performance Recoveries, LLC (RAB) threatening to sue and suing to collect debts where it did not have a legally required license to do so.
On November 12, 2020, the Bureau issued a consent order against Afni, Inc., a non-bank third-party debt collector located based in Illinois that specializes in collecting telecommunications debt.
On October 15, 2020, the Consumer Financial Protection Bureau (Bureau) filed a proposed stipulated final judgment and order to settle its lawsuit against Encore Capital Group, Inc., and its subsidiaries, Midland Funding, LLC; Midland Credit Management, Inc.; and Asset Acceptance Capital Corp.
On September 8, 2020, the Consumer Financial Protection Bureau (Bureau), in partnership with the New York Attorney General, filed suit in the federal district court for the Western District of New York against a network of five different companies based outside of Buffalo, New York, two of their owners, and two of their managers, for their participation in a debt-collection operation using illegal methods to collect debts.
On September 25, 2019, the Bureau filed a complaint in federal court in the District of Maryland against Maryland-based debt collectors FCO Holding, Inc. and its subsidiaries, Fair Collections & Outsourcing, Inc., Fair Collections & Outsourcing of New England, Inc., and FCO Worldwide, Inc. (collectively, FCO).
The Bureau today announced a settlement with Cash Express, LLC, a small-dollar lender based in Cookeville, Tenn., that offers high-cost, short-term loans...
The Bureau and Bluestem Brands, Inc.; Bluestem Enterprises, Inc.; and Bluestem Sales, Inc. (the Bluestem companies), have filed an administrative consent...
Today the Bureau announced a settlement with National Credit Adjusters, LLC (NCA), a privately-held company headquartered in Hutchinson, Kansas, and its...
