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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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Date filed:

Prime Choice Funding, Inc.

On July 24, 2020, the Consumer Financial Protection Bureau issued a consent order against Prime Choice Funding, Inc. (Prime Choice), a California corporation that is licensed as a mortgage broker or lender in about 35 states and the District of Columbia. The Bureau found that Prime Choice violated the CFPA’s prohibition against deceptive acts and practices, the MAP Rule, and Regulation Z.
Date filed:

Sovereign Lending Group, Inc.

On July 24, 2020, the Consumer Financial Protection Bureau issued a consent order against Sovereign Lending Group, Inc. (Sovereign), a California corporation that is licensed as a mortgage broker or lender in about 44 states and the District of Columbia. The Bureau found that Sovereign violated the CFPA’s prohibition against deceptive acts and practices, the MAP Rule, and Regulation Z.
Date filed:

Cottonwood Financial, Ltd., d/b/a Cash Store

On April 1, 2020, the Consumer Financial Protection Bureau issued a consent order against Cottonwood Financial, Ltd., which does business under the name Cash Store.
Date filed:

Fifth Third Bank, National Association

On March 9, 2020, the Bureau filed a lawsuit in federal district court in the Northern District of Illinois against Fifth Third Bank, National Association.
Date filed:

Citizens Bank, N.A.

On January 30, 2020, the Bureau filed a lawsuit against Citizens Bank, N.A. (Citizens), alleging violations of the Truth and Lending Act (TILA) and its implementing Regulation Z, including TILA provisions passed under the Fair Credit Billing Act (FCBA) and Credit Card Accountability Responsibility and Disclosure Act (CARD Act), as well as violations of the Consumer Financial Protection Act of 2010 (CFPA) due to its violations of TILA and Regulation Z.