Consumer Finance Enforcement Action Tracker | 2025 Year in Review
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BRG’s Financial Institution Advisory (FIA) practice is pleased to share its FY 2025 Consumer Finance Enforcement Action Tracker. This tracker is intended to provide insight into current trends in federal and state enforcement actions and support financial institutions in targeting areas of risk mitigation.
Section Highlights
- Recent Regulatory Developments
- Enforcement Action Volume and Trends
- Citation Spotlight by Product – State Actions
- Citation Spotlight by Product – Federal Actions
- State Enforcement Actions for FY 2025
- Federal Enforcement Actions for FY 2025
Represented Regulatory Agencies
- CFPB
- DOJ
- FDIC
- FRB
- OCC
- All state banking agencies, including the District of Columbia and Puerto Rico
Excluded Action Criteria
- Civil penalties less than $10,000
- Actions against individuals or franchises
- Modified, terminated, or actions terminated within same fiscal year
- Non-consumer finance-related enforcement
- Actions solely related to untimely filings
All tracker data was extracted from publicly available enforcement actions issued by federal and state regulators in FY 2025 and may not always be readily available. Actions were manually reviewed to capture key details, including product/service relevancy, alleged violations cited, penalties imposed, and relevant statutes or regulations. All citations were extracted from issued public enforcement actions.
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