CFPB Enforcement Actions: Every Public Case, by Year and Product (2012 to 2026)

The CFPB's enforcement list shows 386 public actions filed since 2012: 9 in 2025, against 55 in 2015, the most in any year, and none had been filed in 2026 when the list was read on October 24, 2026. The most recent filing on the list is dated August 21, 2025. According to the CFPB, 185 of the 386 actions now carry the status Expired/Terminated/Dismissed, 194 are in the post-order or post-judgment stage and 7 are pending litigation.

Every count here is from the Consumer Financial Protection Bureau's own enforcement actions list, read on October 24, 2026, and matches the totals the CFPB's list prints for each year, status and product. The CFPB publishes no table of amounts, so each penalty and relief figure is read from the action's own page, in the CFPB's words.

Actions by year filed

Each action is counted once, in the year of its initial filing date, with the status the CFPB gives it today. The last two columns count the actions whose page states a civil money penalty or consumer relief.

Year filed	Actions	Post order or judgment	Expired, terminated or dismissed	Pending litigation	Page states a penalty	Page states consumer relief	Source
2026	0	0	0	0	0	0	CFPB
2025	9	5	2	2	6	3	CFPB
2024	28	15	12	1	17	8	CFPB
2023	29	19	10	0	24	11	CFPB
2022	20	10	9	1	13	7	CFPB
2021	18	13	4	1	11	4	CFPB
2020	48	21	26	1	44	13	CFPB
2019	22	13	9	0	19	7	CFPB
2018	11	3	7	1	7	4	CFPB
2017	37	23	14	0	26	17	CFPB
2016	42	14	28	0	27	9	CFPB
2015	55	22	33	0	14	15	CFPB
2014	32	20	12	0	6	6	CFPB
2013	27	13	14	0	13	6	CFPB
2012	8	3	5	0	0	0	CFPB

Download the largest-amounts tables (CSV), free. The full dataset, every action with its forum, docket number, status, products, every figure its page states and the sentence each was read from, is one email away.

Actions by product

The CFPB tags each action with the consumer products it involves, and an action can carry several tags, so the counts add up to more than 386. According to the CFPB, Mortgage Origination is tagged on 74 actions and Debt Collection on 68.

Product (CFPB tag)	Actions	Share of all actions	Source
Mortgage Origination	74	19%	CFPB
Debt Collection	68	18%	CFPB
Short Term, Small Dollar	57	15%	CFPB
Furnishing	34	9%	CFPB
Credit Cards	33	9%	CFPB
Debt Relief	33	9%	CFPB
Fair Lending	27	7%	CFPB
Deposits	24	6%	CFPB
Mortgage Servicing	22	6%	CFPB
Other Consumer Lending	22	6%	CFPB
Payments	19	5%	CFPB
Auto Finance Servicing	15	4%	CFPB
Student Loan Servicing	15	4%	CFPB
Auto Finance Origination	13	3%	CFPB
Consumer Reporting Agencies	12	3%	CFPB
Student Loan Origination	11	3%	CFPB
Remittances	9	2%	CFPB
Other Consumer Product (not lending)	8	2%	CFPB
Credit Repair	6	2%	CFPB
Prepaid	6	2%	CFPB
Consumer Reporting - User	4	1%	CFPB

The 10 largest civil money penalties the CFPB's pages state

Ranked by the largest single civil money penalty figure on each action's page, as the CFPB words it, including any qualifier such as "more than".

Rank	Filed	Company (as the CFPB names it)	Civil money penalty, as stated	Status	Source
1	December 20, 2022	Wells Fargo Bank, N.A.	$1.7 billion	Expired/Terminated/Dismissed	CFPB
2	April 20, 2018	Wells Fargo Bank, N.A.	$1 billion	Expired/Terminated/Dismissed	CFPB
3	October 21, 2019	Consumer Advocacy Center Inc., d/b/a Premier Student Loan Center; True Count Staffing Inc., d/b/a SL Account Management; Prime Consulting LLC, d/b/a Financial Preparation Services; Albert Kim; Kaine Wen; and Tuong Nguyen	$148 million	Post Order/Post Judgment	CFPB
4	September 8, 2016	Wells Fargo Bank, N.A.	$100 million	Expired/Terminated/Dismissed	CFPB
5	July 22, 2019	Equifax, Inc.	$100 million	Post Order/Post Judgment	CFPB
6	July 14, 2022	Bank of America, N.A.	$100 million	Post Order/Post Judgment	CFPB
7	September 13, 2018	Future Income Payments, LLC, Scott Kohn, and related entities	$65,481,736	Pending Litigation	CFPB
8	July 11, 2023	Bank of America, N.A.	$60 million	Post Order/Post Judgment	CFPB
9	January 16, 2025	Block, Inc.	$55 million	Post Order/Post Judgment	CFPB
10	September 28, 2022	Regions Bank	$50,000,000	Expired/Terminated/Dismissed	CFPB

The 10 largest amounts of consumer relief the CFPB's pages state

Consumer relief is any figure the CFPB's page describes as redress, restitution, refunds, relief or compensation to consumers. Ranked the same way.

Rank	Filed	Company (as the CFPB names it)	Consumer relief, as stated	Status	Source
1	May 2, 2019	Progrexion Marketing, Inc.; PGX Holdings, Inc.; Progrexion Teleservices, Inc.; eFolks, LLC; CreditRepair.com, Inc.; John C. Heath, Attorney at Law, PLLC, d/b/a/ Lexington Law	$2,660,926,481	Post Order/Post Judgment	CFPB
2	December 20, 2022	Wells Fargo Bank, N.A.	more than $2 billion	Expired/Terminated/Dismissed	CFPB
3	April 9, 2014	Bank of America, N.A. and FIA Card Services, N.A.	an estimated $727 million	Expired/Terminated/Dismissed	CFPB
4	July 21, 2015	Citibank, N.A.; Department Stores National Bank; and Citicorp Credit Services, Inc. (USA)	an estimated $700 million	Expired/Terminated/Dismissed	CFPB
5	September 13, 2018	Future Income Payments, LLC, Scott Kohn, and related entities	over $436 million	Pending Litigation	CFPB
6	June 29, 2018	Citibank, N.A.	$335 million	Expired/Terminated/Dismissed	CFPB
7	September 9, 2013	JPMorgan Chase Bank, N.A.; and Chase Bank USA, N.A.	an estimated $309 million	Expired/Terminated/Dismissed	CFPB
8	June 19, 2014	Synchrony Bank, f/k/a GE Capital Retail Bank	at least $259 million	Expired/Terminated/Dismissed	CFPB
9	February 22, 2021	Nexus Services, Inc., Libre by Nexus, Inc., Micheal Donovan, Richard Moore, and Evan Ajin	$230,996,970.84	Post Order/Post Judgment	CFPB
10	December 16, 2013	CashCall, Inc.; WS Funding, LLC; Delbert Services Corporation; and J. Paul Reddam	$134,058,600	Post Order/Post Judgment	CFPB

What the list shows

• According to the CFPB, 227 of the 386 action pages state a civil money penalty and 108 state consumer relief. 142 state neither in a form this page counts.
• 161 actions were brought in federal court and 224 as administrative proceedings, according to the forum on each CFPB page. 1 lists both.
• The largest penalty a CFPB page states is Wells Fargo Bank's $1.7 billion, filed in 2022. The largest consumer relief figure is Progrexion Marketing's $2,660,926,481, filed in 2019, according to the CFPB.

What this means for technology buyers

Mortgage origination and debt collection are among the products the CFPB tags most often on its actions. An order can require a firm to change how the work is done and recorded, as well as to pay. These guides compare the systems involved:

• Collections and recovery software for banks: how collection contacts are made, limited and logged.
• Loan origination systems for mortgage banks: disclosures and pricing at the point a mortgage is made.
• Loan servicing platforms for specialty finance: payments, fees and account records after origination.
• Audit management systems for financial services: tracking the findings and remediation an order calls for.

Mapping the business? The Retail Bank Business Capability Model maps what a retail bank does, from taking deposits and originating credit to managing risk.

More from Finantrix Atlas

• CFPB complaints by company
• Bank Secrecy Act enforcement actions by FinCEN
• OFAC sanctions penalties
• Card issuers by consumer complaints

How this was built

The universe is every action on the CFPB's enforcement actions list. Each action page was read for its initial filing date, forum, docket number, status and product tags. The action count, each status, each product and each calendar year were then checked against the "filtered results" count the CFPB's list prints for the same filter, and all of them match.

Amounts come from the prose on each action page. A figure counts as a penalty only where the CFPB's words beside it say penalty or fine, and as consumer relief only where they say redress, restitution, refunds, relief or compensation. Figures the page describes as suspended, waived, a maximum, "up to" an amount, sought in a complaint, or paid to another agency are not counted. Each table ranks the largest single figure of its kind on the page, not a sum, because pages restate figures, report amended and vacated orders, and impose the same judgment on several defendants.

Every action that reaches either table, or would if the script's reading were taken as it is, was read by a person. 23 actions were reviewed, and 6 figures differ from what the script read, each with its reason in the dataset: for example, one page prints a penalty as "$950,000 million" where the order itself says $950,000. A refresh that brings in a new large figure fails the build until it has been read.

Limits

• Ordered, not collected. The amounts are what the CFPB's pages say an order or judgment imposes. Default judgments against firms that have closed, and judgments in bankruptcy, may never be paid. The CFPB reports payments to harmed consumers separately.
• Older pages say less. Many action pages are a single sentence, more often for older actions. 96 pages state no dollar figure of any kind, 69 of them for actions filed before 2018, so the amount columns and the largest-amount tables understate those years. The CFPB's orders and press releases carry the amounts; this page reads only the action pages.
• The CFPB's own words. A figure the page does not label, such as a judgment amount with no word for what it is, is kept in the dataset but not counted. Qualifiers such as "an estimated" and "more than" are shown as the CFPB states them.
• One agency. Some actions were brought alongside the Justice Department, other banking regulators or state attorneys general. Their penalties are not counted, even where the CFPB's page mentions them.
• Status is today's. A status is the one the CFPB shows on October 24, 2026, not the status when the action was filed. The CFPB defines each status.
• Public actions only. The list covers the actions the CFPB has made public. Supervisory findings and nonpublic matters are not on it.
• Names as published. Companies are named as the CFPB titles each action, and one company can have several actions.

Cite this

Free to quote, cite and republish, including the chart, with credit to Finantrix Atlas and a link to this page.

The CFPB filed 9 public enforcement actions in 2025, against 55 in 2015, according to a Finantrix Atlas analysis of the CFPB's enforcement actions list.

Suggested citation: Finantrix Atlas, "CFPB Enforcement Actions: Every Public Case, by Year and Product," read October 24, 2026, from the Consumer Financial Protection Bureau's enforcement actions list. https://www.finantrix.com/articles/cfpb-enforcement

Embed the chart:

<a href="https://www.finantrix.com/articles/cfpb-enforcement"><img src="https://www.finantrix.com/atlas/cfpb-enforcement.png" alt="CFPB public enforcement actions by year filed, from Finantrix Atlas"></a>
<p>Chart: <a href="https://www.finantrix.com/articles/cfpb-enforcement">Finantrix Atlas</a>, from CFPB enforcement actions.</p>

Frequently asked questions

Q: How many enforcement actions has the CFPB taken? A: The CFPB's public enforcement list shows 386 actions filed from 2012 through October 24, 2026, the date it was read.

Q: How many enforcement actions did the CFPB file in 2025? A: 9, according to the CFPB's enforcement list, counted by initial filing date. The most in one year was 55, in 2015.

Q: What is the largest CFPB penalty? A: The largest civil money penalty stated on a CFPB action page is Wells Fargo Bank's $1.7 billion, filed in 2022, according to the CFPB.

Q: Which products do CFPB enforcement actions involve most often? A: Mortgage Origination, tagged on 74 actions, then Debt Collection, on 68, according to the CFPB's product tags.