ACI Worldwide Corp. and ACI Payments Inc.
On June 27, 2023, the Bureau issued an order against ACI Worldwide Corp. and ACI Payments Inc. (collectively, ACI), a nationwide payment processor headquartered in Elkhorn, Nebraska.
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 .
Phoenix Financial Services, LLC
On June 8, 2023, the Consumer Financial Protection Bureau (Bureau) issued an order against Phoenix Financial Services, LLC (Phoenix), an Indiana-based debt collector that collects primarily past-due medical debts and furnishes information about consumers to consumer reporting agencies (CRAs).
OneMain Financial Holdings, LLC; OneMain Financial Group, LLC; OneMain Financial (HI), Inc.; OneMain Financial, Inc.; OneMain Financial of Minnesota, Inc.
On May 31, 2023, the Consumer Financial Protection Bureau (Bureau) issued an order against OneMain Financial Holdings, LLC; OneMain Financial Group, LLC; OneMain Financial (HI), Inc.; OneMain Financial, Inc.; and OneMain Financial of Minnesota, Inc. (collectively referred to as OneMain). OneMain is an Indiana-based personal loan installment lender with more than 1,400 branches across 44 states.
James R. Carnes; Melissa C. Carnes; James R. Carnes Revocable Trust; Melissa C. Carnes Revocable Trust
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.
Portfolio Recovery Associates, LLC
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 Associates, LLC (PRA), one of the largest debt collectors in the United States.
RMK Financial Corp. d/b/a Majestic Home Loan or MHL
On February 27, 2023, the Consumer Financial Protection Bureau (Bureau) issued an order against RMK Financial Corp. (RMK), a California-based mortgage lender that also does business under the name Majestic Home Loans.
TMX Finance LLC
On February 23, 2023, the Bureau issued an order against TitleMax parent company TMX Finance LLC, which extends consumer loans that are secured by the title to the borrower’s car.
Credit Acceptance Corporation
On January 4, 2023, the Bureau and New York Attorney General Letitia James filed a joint lawsuit in the United States District Court for the Southern District of New York against Credit Acceptance Corporation (Credit Acceptance), an indirect auto lender that funds and services car loans for subprime and deep-subprime consumers.
Servicio UniTeller, Inc.
On December 22, 2022, the Bureau issued an order against Servicio UniTeller, Inc. (UniTeller), a nonbank remittance transfer provider headquartered in Rochelle Park, New Jersey.
Wells Fargo Bank, N.A.
On December 20, 2022, the Bureau issued an order against Wells Fargo Bank, N.A., which is a national bank headquartered in Sioux Falls, South Dakota.
Carrington Mortgage Services, LLC
On November 17, 2022, the Bureau issued an order against Carrington Mortgage Services, LLC, a California-based mortgage servicer operating in all fifty states.
ACTIVE Network, LLC
On October 18, 2022, the Bureau filed a lawsuit in the United States District Court for the Eastern District of Texas against ACTIVE Network, LLC, a payment processor owned by Global Payments, Inc., with its headquarters in Plano, Texas.
Choice Money Transfer, Inc. d/b/a Small World Money Transfer
On October 4, 2022, the Bureau issued an order against Choice Money Transfer, Inc., which does business as Small World Money Transfer (Choice Money).
MoneyLion Technologies Inc., ML Plus, LLC, and other subsidiaries
On September 29, 2022, the Bureau filed a lawsuit in the United States District Court for the Southern District of New York against MoneyLion Technologies Inc. (MoneyLion), ML Plus, LLC, and 37 MoneyLion lending subsidiaries.
Regions Bank
On September 28, 2022, the Bureau issued an order against Regions Bank, a bank headquartered in Birmingham, Alabama with consolidated assets over $163 billion.
Hello Digit, LLC
On August 10, 2022, the Bureau issued an order against Hello Digit, LLC (“Digit”), a financial-technology company that offers consumers an automated-savings tool.
U.S. Bank National Association
On July 28, 2022, the Bureau issued a consent order against U.S. Bank National Association, a national bank headquartered in Minneapolis, Minnesota.
Trident Mortgage Company, LP
On July 27, 2022, the Bureau, together with the United States Department of Justice (DOJ), filed a complaint and proposed consent order in the United States District Court for the Eastern District of Pennsylvania to resolve their allegations against Trident Mortgage Company, LP (Trident).
Hyundai Capital America
On July 26, 2022, the Bureau issued a consent order against Hyundai Capital America (HCA), a nonbank automotive finance company based in Irvine, California.
Bank of America, N.A.
On July 14, 2022, the Bureau issued an order against Bank of America, N.A., which is a national bank headquartered in Charlotte, North Carolina with branches and ATMs located in 38 states and the District of Columbia.
Populus Financial Group, Inc., d/b/a ACE Cash Express, Inc.
On July 12, 2022, the Bureau filed a lawsuit in the U.S. District Court for the Northern District of Texas against Populus Financial Group, Inc., which does business as ACE Cash Express, Inc. (“ACE”).
Frank Ronald Gebase, Jr.
On June 9, 2022, the Bureau filed a lawsuit in the United States District Court for the Southern District of California against Frank R. Gebase Jr., along with a proposed stipulated final judgment and order.
RAM Payment, LLC, also dba Reliant; Account Management Systems, LLC, fka Reliant Account Management; Gregory Winters; and Stephen Chaya
On May 11, 2022, the Bureau issued an order against Tennessee-based RAM Payment, LLC and Account Management Systems, LLC (AMS) and AMS’s co-founders, Gregory Winters and Stephen Chaya.
Bank of America, N.A.
On May 4, 2022, the Bureau issued a consent order against Bank of America, N.A., an insured depository institution, to address Bank of America’s processing of garnishment notices.
MoneyGram International, Inc. and MoneyGram Payment Systems, Inc.
On April 21, 2022, the Bureau filed a lawsuit jointly with the Attorney General of New York against MoneyGram International, Inc. and MoneyGram Payment Systems, Inc. (collectively, MoneyGram), nonbank remittance transfer providers headquartered in Dallas, Texas.