Financial Class Action Settlements 2026

Belkin - Power Banks (California)

Belkin - Power Banks

If you purchased a Belkin power bank between January 2, 2016 and April 16, 2024 while located in California, you may be covered by this settlement.

Eligibility: If you purchased a Belkin power bank between January 2, 2016 and April 16, 2024 while located in Cal…

Star214, Statebridge - Interest Fees

Star214, Statebridge - Interest

You may be included in this settlement if you were an obligor of a junior-lien mortgage loan secured by a primary residence and actively serviced by Statebridge.

Eligibility: You may be included in this settlement if you were an obligor of a junior-lien mortgage loan secured…

Morton Community Bank - Overdraft Fees (Illinois)

Morton Community Bank -

You may be included in this settlement if you are an Illinois resident who had a personal checking account with Morton Community Bank and were charged certain overdraft or non-sufficient fund fees.

Eligibility: You may be included in this settlement if you are an Illinois resident who had a personal checking a…

Pacific Life Insurance (California)

Pacific Life Insurance (California)

You may be included in this settlement if you paid for a Pacific Discovery Xelerator indexed universal life insurance policy in California.

Eligibility: You may be included in this settlement if you paid for a Pacific Discovery Xelerator indexed univers…

PHH Mortgage - Default Notices

PHH Mortgage - Default

This settlement covers PHH residential mortgage borrowers who were sent default notices on or after January 14, 2021.

Eligibility: This settlement covers PHH residential mortgage borrowers who were sent default notices on or after …

$3.29M D.C. title insurance kickback settlement

D.C. title insurance kickback

Title insurance companies Allied Title & Escrow, KVS Title, Modern Settlements and Union Settlements have agreed to pay $3.29 million to resolve kickback claims.

Eligibility: Consumers referred by a real estate agent to Allied Title & Escrow, KVS Title, Modern Settlements or…

Westlake Financial Services - Fees

Westlake Financial Services -

You may be included in this settlement if you were charged a fee for making a payment on a Westlake Services account through ACI payments between June 20, 2022 and August 18, 2025.

Eligibility: You may be included in this settlement if you were charged a fee for making a payment on a Westlake …

Hartford Insurance - Underinsured Motorist Insurance (New Mexico)

Hartford Insurance - Underinsured

If you were a New Mexico policyholder or had underinsured motorist coverage with Property and Casualty Insurance Company of Hartford or Hartford Insurance Company of the Midwest, you may be covered by this settlement.

Eligibility: If you were a New Mexico policyholder or had underinsured motorist coverage with Property and Casual…

Capital One Financial Corporation Associate Savings Plan

Capital One Financial Corporation

If you were a participant or beneficiary of the Capital One Financial Corporation Associate Savings Plan between November 11, 2018 and January 13, 2026, you may be included in this settlement.

Eligibility: If you were a participant or beneficiary of the Capital One Financial Corporation Associate Savings …

PHH - Mortgage Service Kickbacks

PHH - Mortgage Service

You may be included in this settlement if you obtained residential mortgage loans that originated or were acquired by PHH or its affiliates between January 1, 2007 and December 31, 2009 and purchased private mortgage insurance in connection with the loan.

Eligibility: You may be included in this settlement if you obtained residential mortgage loans that originated or…

Wells Fargo Fake Accounts Scandal Settlement

Wells Fargo & Company

Wells Fargo agreed to pay $3.7 billion in fines and restitution after employees created millions of unauthorized bank accounts, credit cards, and other financial products in customers' names.

Eligibility: Wells Fargo customers who had unauthorized accounts, credit cards, debit cards, or other products op…

Financial Education Services Settlement

Financial Education Services

FTC sends checks to eligible people who paid for credit repair services

Arete Financial Refunds

Arete Financial

FTC sends second payment to people who paid for student debt relief

American Financial Benefits Center Refunds

American Financial Benefits Center

FTC sends a second payment to people who paid for student loan debt relief

Wise US Inc.

Wise US Inc.

On January 30, 2025, the Bureau issued an order against Wise US Inc., a nonbank remittance transfer provider headquartered in New York, New York. Wise is a subsidiary of Wise PLC, a publicly traded, global electronic money services corporation headquartered in the United Kingdom. Wise offers and provides consumers international money transfer services, known as remittance transfers, in 48 states, the District of Columbia, Guam, the U.S. Virgin Islands, and Puerto Rico. Wise also offers a prepaid product to allow customers to store and receive money in multiple currencies, as well as spend money using an optional, attached debit card. The January 30, 2025 Order resolved the Bureau’s administrative proceeding against Wise US Inc. under 12 U.S.C. §§ 5563 and 5565, for (1) its use of deceptive marketing disclosures relating to ATM fees leading to ATM fee overcharges in violation of the Consumer Financial Protection Act’s (CFPA) prohibition on unfair, deceptive, or abusive acts or practices, 12 U.S.C. §§ 5531, 5536, and (2) its failure to provide disclosures and notices, including change-in-term notices; failure to adhere to error resolution provisions and failure to correct errors; failure to comply with the retention of document requirements; and failure to develop and maintain policies and procedures that are designed to ensure compliance with error resolution requirements in violation of the Electronic Fund Transfer Act (EFTA), 15 U.S.C. §§ 1693 et seq., and its implementing Regulation E, 12 C.F.R. pt. 1005.

American Honda Finance Corporation

American Honda Finance Corporation

On January 17, 2025, the Bureau issued an order against American Honda Finance Corporation (Honda Finance) to address its violations relating to its furnishing of inaccurate consumer reporting information. Honda Finance is a nonbank and the captive automotive finance company for American Honda Motor Co., Inc., which is the sole authorized distributor of Honda and Acura motor vehicles in the United States. Honda Finance’s practices violated the Fair Credit Reporting Act (FCRA), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 (CFPA). The Bureau found that, during the COVID-19 crisis, Honda Finance allowed consumers to defer payments and promised to continue reporting those consumers to the consumer reporting agencies (CRAs) as current, but instead, reported those consumers as delinquent when they did not make payments during the deferral period, in violation of the Fair Credit Reporting Act (FCRA). The Bureau also found that Honda Finance violated FCRA and its implementing Regulation V by continuing to furnish inaccurate and incomplete information after it determined the information was incomplete or inaccurate; failing to timely complete indirect dispute investigations and report the results of the investigations to CRAs; failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information it furnished to CRAs; and failing to conduct reasonable investigations of direct disputes and timely report the results to consumers. The Bureau’s order requires Honda Finance to come into compliance with the law, pay $10.3 million in consumer redress, and pay a $2.5 million civil money penalty to the Bureau.

Experian Information Solutions, Inc.

Experian Information Solutions, Inc.

On January 7, 2025, the Bureau filed a lawsuit against Experian Information Solutions, Inc., one of the largest consumer reporting agencies in the country. Experian collects and organizes data on most adult Americans to generate consumer credit reports, which it sells to creditors and other businesses who are evaluating whether to offer consumers products, services, or opportunities such as credit lines, loans, jobs, and housing. To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act (FCRA) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information (called the “furnisher”) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information.

Global Tel Link Corporation d/b/a ViaPath Technologies; Telmate, LLC d/b/a ViaPath Technologies; and TouchPay Holdings, LLC d/b/a GTL Financial Services

Global Tel Link Corporation d/b/a ViaPath Technologies; Telmate, LLC d/b/a ViaPath Technologies; and TouchPay Holdings, LLC d/b/a GTL Financial Services

On November 14, 2024, the Bureau issued an order against Global Tel Link Corporation, d/b/a ViaPath Technologies (“Global Tel Link”), and its subsidiaries Telmate, LLC, d/b/a ViaPath Technologies (“Telmate”), and TouchPay Holdings, LLC, d/b/a GTL Financial Services (“TouchPay”). Together with its subsidiaries, Global Tel Link is one of the country’s largest providers of money transfer services to justice-involved consumers. Many consumers who are incarcerated rely on these money transfer services to receive from their friends and family the funds they need to pay for items in correctional facilities’ commissaries, including basic necessities such as food, medicine, and clothing. The Bureau found that Global Tel Link and its subsidiaries engaged in unfair acts or practices in violation of the Consumer Financial Protection Act (CFPA) by blocking consumers’ accounts when a money transfer was charged-back, which prevented friends and family consumers from sending, and incarcerated consumers from receiving, funds via debit card or credit card transfer. To get an account unblocked, friends and family consumers had to pay the amount of the chargeback plus, in some circumstances, a fee, even though they had not filed the chargeback. The Bureau also found that Global Tel Link and its subsidiaries engaged in unfair acts or practices in violation of the CFPA when they failed to disclose to consumers complete fee schedules for money transfers, depriving consumers of information that would allow them to understand how the payment channel, payment method, or amount they deposit may impact the fee they are charged for the money-transfer transaction. In addition to money transfer services, Global Tel Link and Telmate also provide “Unified Accounts” to friends and family consumers to pay for online messaging, video visitation, and telephone services so they can communicate with people who are incarcerated. The Bureau found that Global Tel Link and Telmate engaged in abusive acts or

Eligibility: consumers who paid to unblock a trust or commissary account that had been blocked due to a chargebac…

VyStar Credit Union

VyStar Credit Union

On October 31, 2024, the Bureau issued an order against VyStar Credit Union (VyStar), a Jacksonville, Florida based credit union with approximately 850,000 members with deposit accounts. VyStar membership is open to, among others, those living or working in the 49 contiguous counties of Central to North Florida, 29 Georgia counties, and past and present military members and their families. In May 2022, VyStar attempted to launch a new online and mobile banking platform with a new provider. The Bureau found that VyStar’s planning and implementation of the conversion violated the Consumer Financial Protection Act of 2010. The order required VyStar to come into compliance with the law, establish a governance committee to ensure proper management of projects involving consumer facing banking systems, ensure that all consumers owed redress have been paid, and pay a $1.5 million civil money penalty.

Ejudicate, Inc., d/b/a Brief

Ejudicate, Inc., d/b/a Brief

On October 10, 2024, the Bureau issued an order against Ejudicate, Inc., d/b/a Brief, a company based in Los Angeles, California. Ejudicate is a private arbitration company that offers an online dispute resolution platform. In April 2022, Ejudicate commenced arbitration proceedings against consumers who had not agreed to be subjected to Ejudicate’s authority. These arbitration proceedings related to consumers’ alleged default on income share loans that had been extended by Prehired, LLC (Prehired), which operated an online training program. Prehired was the subject of a separate Bureau law enforcement action. The Bureau found that Ejudicate engaged in unfair acts and practices in violation of the Consumer Financial Protection Act of 2010 (CFPA) by commencing arbitration proceedings without consumers’ consent. In fact, Ejudicate knew it did not have jurisdiction over Prehired’s claims because none of the income share loans contained an arbitration clause permitting arbitration by Ejudicate. The Bureau also found that Ejudicate committed deceptive acts and practices in violation of the CFPA by misrepresenting Ejudicate’s neutrality, the nature of the arbitration proceedings, and the consequences of consumers’ actions or inactions in the Ejudicate forum. For example, Ejudicate falsely represented itself as a neutral and impartial forum for consumer debt arbitrations and failed to disclose that Ejudicate had financial interests aligned with the creditor, Prehired, which filed the claim against the consumer. Finally, the Bureau found that Ejudicate engaged in unfair acts and practices in violation of the CFPA by unlawfully attempting to bind consumers to Ejudicate’s terms of service and platform rules, which infringed on consumers’ ability to defend themselves against the claims lodged against them. The order permanently bans Ejudicate from arbitrating disputes that concern a consumer financial product or service. The order also prohibits Ejudicate from making misreprese

Eligibility: consumers who had not agreed to be subjected to Ejudicate’s authority.

Consumer Protection Division

Consumer Protection Division

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Consumer Alerts

Consumer Alerts

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Military and Veterans Assistance Program

Military and Veterans Assistance

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Attorney General James Uthmeier Issues Consumer Alert Regarding 23andMe Bankruptcy

Attorney General James Uthmeier

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CONSUMER ALERT: New Deadline to File Claims in Harris Jewelry Case Fast Approaching

CONSUMER ALERT: New Deadline

TALLAHASSEE, Fla.—Attorney General Ashley Moody is urging Harris Jewelry consumers, most of whom are active-duty service members, to submit refund requests before a new claims window ends. The U.S. District Court for the Eastern District of New York ordered the jewelry store to reopen its claims process to submit forms for refunds. The new claims process is open now through Dec. 21.

VIDEO: Attorney General Moody Releases Consumer Protection Tips and Resources in Recognition of International Fraud Awareness Week

VIDEO: Attorney General Moody

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CONSUMER ALERT: Attorney General Moody Issues Tips to Avoid FEMA Scams in the Aftermath of Helene and Milton

CONSUMER ALERT: Attorney General

The Florida Attorney General's Consumer Protection Division issues Consumer Alerts to inform Floridians of emerging scams, new methods used to commit fraud, increased reports of common scams, or any other deceptive practice. Consumer Alerts are designed to notify Floridians about scams and available refunds in an effort to prevent financial losses or other harm caused by deceptive practices. Anyone encountering a scam should report the incident to the Florida Attorney General's Office by calling 1(866) 9NO-SCAM or visiting MyFloridaLegal.com. To view recent Consumer Alerts and for other information about avoiding scams, visit MyFloridaLegal.com/ConsumerAlert.

CONSUMER ALERT: AG Moody Urges Floridians to Look Out for Charity Scams When Giving to Hurricane Relief Efforts

CONSUMER ALERT: AG Moody

The Florida Attorney General's Consumer Protection Division issues Consumer Alerts to inform Floridians of emerging scams, new methods used to commit fraud, increased reports of common scams, or any other deceptive practice. Consumer Alerts are designed to notify Floridians about scams and available refunds in an effort to prevent financial losses or other harm caused by deceptive practices. Anyone encountering a scam should report the incident to the Florida Attorney General's Office by calling 1(866) 9NO-SCAM or visiting MyFloridaLegal.com. To view recent Consumer Alerts and for other information about avoiding scams, visit MyFloridaLegal.com/ConsumerAlert.

CONSUMER ALERT: Attorney General Moody Warns Floridians About Disaster-Related Scams Following Hurricane Milton

CONSUMER ALERT: Attorney General

The Florida Attorney General's Consumer Protection Division issues Consumer Alerts to inform Floridians of emerging scams, new methods used to commit fraud, increased reports of common scams, or any other deceptive practice. Consumer Alerts are designed to notify Floridians about scams and available refunds in an effort to prevent financial losses or other harm caused by deceptive practices. Anyone encountering a scam should report the incident to the Florida Attorney General's Office by calling 1(866) 9NO-SCAM or visiting MyFloridaLegal.com. To view recent Consumer Alerts and for other information about avoiding scams, visit MyFloridaLegal.com/ConsumerAlert.

Eligibility: The Federal Emergency Management Agency offers disaster relief to eligible victims through various p…

CONSUMER ALERT: Attorney General Moody Warns Floridians Affected by Hurricane Helene About Disaster-Related Scams

CONSUMER ALERT: Attorney General

The Florida Attorney General's Consumer Protection Division issues Consumer Alerts to inform Floridians of emerging scams, new methods used to commit fraud, increased reports of common scams, or any other deceptive practice. Consumer Alerts are designed to notify Floridians about scams and available refunds in an effort to prevent financial losses or other harm caused by deceptive practices. Anyone encountering a scam should report the incident to the Florida Attorney General's Office by calling 1(866) 9NO-SCAM or visiting MyFloridaLegal.com. To view recent Consumer Alerts and for other information about avoiding scams, visit MyFloridaLegal.com/ConsumerAlert.

Eligibility: The Federal Emergency Management Agency offers disaster relief to eligible victims through various p…

CONSUMER ALERT: Attorney General Moody Warns Floridians Affected by Hurricane Debby About Disaster-Related Scams

CONSUMER ALERT: Attorney General

The Florida Attorney General's Consumer Protection Division issues Consumer Alerts to inform Floridians of emerging scams, new methods used to commit fraud, increased reports of common scams, or any other deceptive practice. Consumer Alerts are designed to notify Floridians about scams and available refunds in an effort to prevent financial losses or other harm caused by deceptive practices. Anyone encountering a scam should report the incident to the Florida Attorney General's Office by calling 1(866) 9NO-SCAM or visiting MyFloridaLegal.com. To view recent Consumer Alerts and for other information about avoiding scams, visit MyFloridaLegal.com/ConsumerAlert.

Eligibility: The Federal Emergency Management Agency offers disaster relief to eligible victims through various p…

VIDEO CONSUMER ALERT: Attorney General Moody Warns Floridians About Sweepstakes Scams on National Lottery Day

VIDEO CONSUMER ALERT: Attorney

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CONSUMER ALERT: As New State Law Protecting Floridians from Moving Scams Takes Effect, AG Moody Issues Warning

CONSUMER ALERT: As New

In an effort to protect those moving to or within Florida, Attorney General Moody’s Consumer Protection Team is taking action against more than 18 movers and moving brokers that reportedly scammed consumers. Since Attorney General Moody took office in January 2019, consumer protection investigations have led to approximately $27 million in fines and restitution against moving firms.

VIDEO CONSUMER ALERT: Attorney General Moody Warns Floridians About Odometer Fraud

VIDEO CONSUMER ALERT: Attorney

The Florida Attorney General's Consumer Protection Division issues Consumer Alerts to inform Floridians of emerging scams, new methods used to commit fraud, increased reports of common scams, or any other deceptive practice. Consumer Alerts are designed to notify Floridians about scams and available refunds in an effort to prevent financial losses or other harm caused by deceptive practices. Anyone encountering a scam should report the incident to the Florida Attorney General's Office by calling 1(866) 9NO-SCAM or visiting MyFloridaLegal.com. To view recent Consumer Alerts and for other information about avoiding scams, visit MyFloridaLegal.com/ConsumerAlert.

Military and Veterans Assistance Program

Military and Veterans Assistance

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VIDEO CONSUMER ALERT: Attorney General Moody Warns Floridians About Malvertising

VIDEO CONSUMER ALERT: Attorney

The Florida Attorney General's Consumer Protection Division issues Consumer Alerts to inform Floridians of emerging scams, new methods used to commit fraud, increased reports of common scams, or any other deceptive practice. Consumer Alerts are designed to notify Floridians about scams and available refunds in an effort to prevent financial losses or other harm caused by deceptive practices. Anyone encountering a scam should report the incident to the Florida Attorney General's Office by calling 1(866) 9NO-SCAM or visiting MyFloridaLegal.com. To view recent Consumer Alerts and for other information about avoiding scams, visit MyFloridaLegal.com/ConsumerAlert.

VIDEO CONSUMER ALERT: AG Moody Shuts Down Fake Websites Scamming SunPass Users

VIDEO CONSUMER ALERT: AG

The Florida Attorney General's Consumer Protection Division issues Consumer Alerts to inform Floridians of emerging scams, new methods used to commit fraud, increased reports of common scams, or any other deceptive practice. Consumer Alerts are designed to notify Floridians about scams and available refunds in an effort to prevent financial losses or other harm caused by deceptive practices. Anyone encountering a scam should report the incident to the Florida Attorney General's Office by calling 1(866) 9NO-SCAM or visiting MyFloridaLegal.com. To view recent Consumer Alerts and for other information about avoiding scams, visit ConsumerAlert.

Attorney General Secures Relief for Opioid Crisis

Attorney General Secures Relief

After years of negotiating, the Office of the Attorney General has reached settlements with the following defendants of case 2018-CA-001438:

Dozier School for Boys and Okeechobee School Victim Compensation Program

Dozier School for Boys

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File A Complaint

File A Complaint

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Consumer Alerts

Consumer Alerts

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Price Gouging

Price Gouging

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Consumer Protection Guides

Consumer Protection Guides

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Senior Protection Team

Senior Protection Team

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Additional Resources

Additional Resources

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Office of theIllinois Attorney GeneralKwame Raoul

Office of theIllinois Attorney

On January 16, 2026, the Department of Education announced it would temporarily pause the involuntary collections of its defaulted federal student loan portfolio. Borrowers in default, or in danger of default, should take action before involuntary collections, including wage garnishment and tax refunding withholding, resumes. As always, borrowers can call the Treasury Offset Program at 1-800-304-3107 to learn if their tax refunds will be withheld.

Eligibility: Signed into law on August 26, 2021, the Know Before You Owe Private Education Loan Act (“Know Before…

Synapse Financial Technologies, Inc.

Synapse Financial Technologies, Inc.

On August 21, 2025, the Bureau commenced an adversary proceeding and filed a complaint and proposed stipulated final judgment and order against Synapse Financial Technologies, Inc., which the court entered on September 12, 2025. Synapse is a Delaware corporation with its principal place of business in Woodland Hills, California that provided proprietary technology and software that acted as a bridge between nonbank fintech platforms that offered banking services to consumers and traditional partnering banks. On April 22, 2024, Synapse filed for chapter 11 bankruptcy protection. The Bureau alleged that Synapse violated the Consumer Financial Protection Act of 2010 by failing to maintain adequate records of the location of consumers’ funds and failing to ensure those records matched the records maintained by its partnering banks, causing consumers to lose access to their funds. The partnering banks determined that the total funds they were holding for consumers was less than the total amount of consumer funds reflected in records Synapse provided to them, reflecting a shortfall of between $60 and $90 million. Consumers did not have any access to their funds for weeks or months as the partnering banks reconciled their records with Synapse’s records and then distributed funds to consumers, and many consumers have not received the full amount of their account balance. The stipulated final judgment provides for appropriate injunctive relief, including a prohibition on the sale of customer information, and a $1 civil money penalty, which enables the Bureau to access the civil penalty fund for purposes of redressing harmed consumers.

Equifax, Inc. and Equifax Information Services LLC

Equifax, Inc. and Equifax Information Services LLC

On January 17, 2025, the Bureau issued an order against Equifax, Inc. and Equifax Information Services LLC (collectively, Equifax), one of the largest consumer reporting agencies in the country. Equifax collects and organizes data on most adult Americans to generate consumer reports, which it sells to creditors and other businesses that evaluate whether to offer consumers loans, jobs, housing, and certain other products. To promote the accuracy and fairness of information in consumer reports, the federal Fair Credit Reporting Act (FCRA) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies, like Equifax, to forward notice of the dispute to the company that originally provided the information (called the “furnisher”). FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. The Bureau found that Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files; failing to prevent the improper reinsertion of previously deleted information from consumer files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded. The Bureau also found that Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by: (1) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations; and (2) selling inaccurate consumer credit scores and credit

Block, Inc.

Block, Inc.

On January 16, 2025, the Bureau issued an order against Block, Inc. (Block), a nonbank headquartered in Oakland, California which operates Cash App, a mobile payments application through which consumers can send and receive money through peer-to-peer transfers. The Bureau found that for years after the inception of Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers’ information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of 2010 (CFPA). The Bureau also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. The Bureau further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act (EFTA) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPA’s prohibition on unfair practices. In addition, the Bureau found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. The Bureau also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution. The order requires Block to change its practices to comply with the law, pay at least $75 million in redress to consumers, up to $120 million. The order further requires Block to pay $55 million in civil money penalties.

Early Warning Services, LLC; Bank of America, N.A.; JPMorgan Chase Bank, N.A.; Wells Fargo Bank, N.A

Early Warning Services, LLC; Bank of America, N.A.; JPMorgan Chase Bank, N.A.; Wells Fargo Bank, N.A

On December 20, 2024, the Bureau filed a lawsuit against Early Warning Services, LLC, Bank of America, N.A., JPMorgan Chase Bank, N.A., and Wells Fargo Bank, N.A. The Bureau alleged that the defendants violated the Consumer Financial Protection Act of 2010’s prohibition on unfair acts or practices, and that the banks violated the Electronic Fund Transfer Act and its implementing Regulation E.

Performant Recovery, Inc.

Performant Recovery, Inc.

On December 9, 2024, the Bureau issued an order against Performant Recovery, Inc., to address its unlawful collection activities involving student-loan borrowers who were attempting to bring their student loans out of default. Student loan borrowers who have defaulted on Federal Family Education Loan Program loans have a one-time right to rehabilitate their loans and bring their loans back into good standing by entering into a rehabilitation agreement and making a series of reasonable and affordable payments. If a borrower enters into a loan-rehabilitation agreement within 65 days of defaulting on the loan, the borrower is also not required to pay collection costs associated with the default. From 2015 to 2020, Performant used its control over the rehabilitation process to delay borrowers’ loan rehabilitations so that collection costs would be added to their loans. If borrowers in default called Performant to rehabilitate their loans within 65 days from default, Performant’s agents were instructed to do whatever they could to delay the borrowers’ rehabilitation until after 65 days had passed, allowing for the imposition of collection costs on the borrowers. Through these practices, Performant generated fees for itself while causing individual borrowers to incur thousands of dollars in additional costs added to their loan obligations. This conduct constituted unfair and abusive acts or practices in violation of the Consumer Financial Protection Act of 2010 and unfair and unconscionable means to collect or attempt to collect debts in violation of the Fair Debt Collection Practices Act. The order requires Performant to stop servicing and collecting on any student loan debt and to pay a $700,000 civil money penalty.

Navy Federal Credit Union

Navy Federal Credit Union

On November 7, 2024, the Bureau issued an order against Navy Federal Credit Union, headquartered in Vienna, Virginia. On July 1, 2025, pursuant to its authority under 12 U.S.C. § 5563(b)(3), the Bureau terminated the order and waived any alleged non-compliance therewith.

Apple Inc.

Apple Inc.

On October 23, 2024, the Bureau issued an order against Apple Inc. In December 2017 Apple and Goldman Sachs Bank USA (Goldman) entered an agreement to offer Apple Card, a credit card integrated with Apple software that offers both market-rate APRs and interest-free financing for qualifying Apple products. Goldman agreed to extend the credit offered through Apple Card and to investigate disputes submitted by consumers. Apple designed the consumer-facing interfaces that consumers used to manage Apple Card accounts on Apple devices, including the functions that allowed consumers to dispute Apple Card transactions, and developed the creative approach and design of Apple Card advertisements. The Bureau found that Apple violated the Consumer Financial Protection Act of 2010 by failing to send transaction disputes to Goldman and in relation to its enrollment practices for Apple Card Monthly Installments. The order required Apple to pay a $25 million civil money penalty and to come into compliance with the law.

Goldman Sachs Bank USA

Goldman Sachs Bank USA

On October 23, 2024, the Bureau issued an order against Goldman Sachs Bank USA (Goldman). In December 2017, Goldman and Apple Inc. entered an agreement to offer Apple Card, a credit card integrated with Apple software that offers both market-rate APRs and interest-free financing for qualifying Apple products. Goldman agreed to extend the credit offered through Apple Card and to investigate disputes submitted by consumers. Apple designed the consumer-facing interfaces that consumers used to manage Apple Card accounts on Apple devices and developed the creative approach and design of Apple Card advertisements. Despite warnings to Goldman’s board on August 16, 2019 that the Apple Card disputes system was “not fully ready” due to technological issues, Goldman and Apple introduced the Apple card four days later on August 20, 2019. The Bureau found that Goldman violated the Truth in Lending Act and Regulation Z by failing to send acknowledgement notices and resolution letters within the required periods; making adverse reports to consumer reporting agencies regarding amounts disputed in billing error notices prior to completing the requirements for billing error resolution; failing to conduct reasonable investigations for disputes that qualified as billing error notices; and holding consumers liable for amounts at issue in claims of unauthorized use before conducting a reasonable investigation. The Bureau also found that Goldman violated the Consumer Financial Protection Act of 2010 by engaging in unfair acts or practices through its delay in resolving transaction disputes. Separately, in December 2019, Goldman and Apple introduced Apple Card Monthly Installments (ACMI), which allowed Apple Card users to finance the purchase of certain Apple devices directly from Apple through the payment of interest-free monthly installments. The Bureau found that Goldman engaged in deceptive acts or practices by misleading consumers to expect that purchases of Apple devices would automa

Climb Credit, Inc.; Climb Investco, LLC; Climb GS Loan Fund 2018-1, LLC; 1/0 Holdco LLC; and 1/0 Capital LLC

Climb Credit, Inc.; Climb Investco, LLC; Climb GS Loan Fund 2018-1, LLC; 1/0 Holdco LLC; and 1/0 Capital LLC

On October 17, 2024, the Bureau filed a lawsuit against Climb Credit, Inc.; its wholly owned subsidiary Climb Investco, LLC; its wholly owned sub-subsidiary Climb GS Loan Fund 2018-1, LLC; and the originators, initial owners, and initial operators of these entities, 1/0 Holdco LLC and 1/0 Capital LLC. 1/0 Holdco LLC and 1/0 Capital LLC are headquartered in New York and Climb Credit, Inc. was headquartered in New York during most of the time period relevant to this suit and continues to conduct a significant amount of its operations there. The Bureau alleged these entities (the Climb Enterprise) worked together in online student lending for short-term vocational programs at schools with whom Climb Credit, Inc. has partnered.

TD Bank, N.A.

TD Bank, N.A.

On September 11, 2024, the Bureau issued an order against TD Bank, N.A., a national bank headquartered in Cherry Hill, New Jersey. TD Bank furnishes credit information on consumer credit card accounts by sending monthly data files to consumer reporting agencies. TD Bank also furnishes consumer deposit account information to nationwide specialty consumer reporting agencies. The Bureau found that over several years TD Bank repeatedly furnished to consumer reporting agencies information containing numerous systemic errors and that it knew of many of these inaccuracies for a year or more before fixing them. In addition, the Bureau found that, for years, TD Bank failed to conduct reasonable and timely investigations of consumer disputes, including sometimes by not conducting any investigation at all. When TD Bank furnished inaccurate consumer information, it may have negatively affected consumers’ access to credit. Specifically, the Bureau found that with respect to its credit card accounts, TD Bank violated the Fair Credit Reporting Act (FCRA) and its implementing regulation, Regulation V, by failing to promptly correct and update information it furnished to consumer reporting agencies that it determined was not complete or accurate; failing to accurately report consumers’ participation in COVID-19 accommodations programs pursuant to the CARES Act; failing to provide the FCRA-required date of first delinquency on certain delinquent or charged-off accounts; failing to conduct reasonable and timely investigations of consumer disputes, including sometimes by not conducting any investigation at all; failing to properly notify consumers when deeming a dispute frivolous or irrelevant; and failing to establish and implement reasonable written policies and procedures regarding the information furnished to consumer reporting agencies. The Bureau also found that TD Bank’s failure to investigate consumer disputes and decision to divert resources away from investigating disputes to

Eligibility: affected consumers’ access to credit.