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Enforcement Action Tracker

Examinations are stressful. Regulators can show up at your door, potentially unannounced, and expect perfection. Enforcement actions offer invaluable insight into what those examiners may look at to mitigate the surprise. Often findings at one institution can impact subsequent exams at others. Tracking this data, using it, and understanding that there is software to assist with governance, risk, compliance, cybersecurity, and vendor management are key to a successful visit from the regulators. 

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50 Enforcement Actions

Government, Risk, and Compliance
OCC
February 19, 2025

OCC Finds Issues with Bank’s Compliance Management and Board-related Activities

The OCC found unsafe or unsound practices regarding a bank’s compliance management, fair lending risk management, insider activities, compensation practices, recordkeeping practices, and compensation limitations.
Lending Compliance
CFPB
January 5, 2025

CFPB Sues Lender Over Faulty Ability-to-Repay Practices*

The CFPB sued a non-bank manufactured-home-financing company for violating Regulation Z by originating loans without a reasonable, good-faith determination of borrowers' ability to repay.
Government, Risk, and Compliance
CFPB
January 13, 2025

CFPB Sues Bank for Misleading "High-Interest" Savings Claims

The CFPB sued a national bank for deceptive marketing of its flagship high-interest savings account.
Government, Risk, and Compliance
CFPB
January 15, 2025

CFPB Fines Mobile Payment App for UDAAP Violations*

The CFPB issued an order against a mobile payment app operator for failing to provide effective customer service, violating the unfairness prong of UDAAP.
Lending Compliance
CFPB
January 16, 2025

CFPB Sues Mortgage Company for Redlining

The CFPB has filed a complaint against a non-depository mortgage company for allegedly redlining majority-Black and Hispanic neighborhoods in Chicago and Boston, violating the Equal Credit Opportunity Act (ECOA).
Government, Risk, and Compliance
CFPB
January 29, 2025

CFPB Fines Remittance Provider for Deceptive Fee Disclosures

The CFPB issued an order against a remittance transfer provider for deceptive practices, citing violations of the Consumer Financial Protection Act.
Government, Risk, and Compliance
OCC
January 15, 2025

OCC Issues Cease and Desist Order Over BSA Compliance Failures

The OCC issued a cease and desist against a bank for failing to develop and maintain a reasonably designed Bank Secrecy Act (BSA) compliance program.
Government, Risk, and Compliance
Third-Party Risk Management
OCC
February 19, 2025

OCC Cracks Down on BSA/AML Compliance for Bank’s Prepaid Card Program

The OCC entered into an agreement with a bank after the agency found deficiencies in the institution’s strategic and capital planning, Bank Secrecy Act/ Anti-Money Laundering (BSA/AML) risk management, oversight of payment activities, credit administration, and concentration risk management.
Lending Compliance
FDIC
February 27, 2025

Flood Insurance Failures Lead to FDIC Penalties at Three Banks

The FDIC issued three enforcement actions against banks for violations of the Flood Disaster Protection Act of 1973 (FDPA).
Government, Risk, and Compliance
Third-Party Risk Management
FDIC
February 27, 2025

FDIC, CDFPI Issues Cease and Desist Order Over BSA Violations

The FDIC, in partnership with the California Department of Financial Protection and Innovation (CDFPI), issued a consent order against a bank for BSA violations related to the institution’s Merchant Services Program and relationships with Independent Sales Organizations (ISOs) and Sub-ISOs.
Government, Risk, and Compliance
FDIC
February 27, 2025

Oversight and Lending and Collection Policies Lead to FDIC, WDFI Consent Order

The FDIC, in connection with the Washington Department of Financial Institutions (WDFI), issued a consent order against a bank for unsafe or unsound banking practices relating to Board and senior management oversight, credit underwriting and administration, internal audit, and information technology.
Government, Risk, and Compliance
FDIC
February 27, 2025

Bank to End SBA Loans After FDIC, Rhode Island Department of Business Regulation Action

The FDIC and the Rhode Island Department of Business Regulation, Division of Banking (DBR), issued an enforcement action against a bank for allegedly charging illegal fees for Small Business Administration 7(a) loans.

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