The CFPB is adjusting for inflation the maximum amount of each civil penalty within the Bureau’s jurisdiction. The adjusted penalty amounts are effective January 15, 2017.
Law | Penalty description | Current penalty amounts | New penalty amount |
Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(A) | Tier 1 penalty |
$5,437 |
$5,526 |
Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(B) | Tier 2 penalty |
27,186 |
27,631 |
Consumer Financial Protection Act, 12 U.S.C. 5565(c)(2)(C) | Tier 3 penalty |
1,087,450 |
1,105,241 |
Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2) | Per violation |
1,894 |
1,925 |
Interstate Land Sales Full Disclosure Act, 15 U.S.C. 1717a(a)(2) | Annual cap |
1,893,610 |
1,924,589 |
Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1) | Per failure |
89 |
90 |
Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(1) | Annual cap |
178,156 |
181,071 |
Real Estate Settlement Procedures Act, 12 U.S.C. 2609(d)(2)(A) | Per failure, where intentional |
178 |
181 |
SAFE Act, 12 U.S.C. 5113(d)(2) | Per violation |
27,455 |
27,904 |
Truth in Lending Act, 15 U.S.C. 1639e(k)(1) | First violation |
10,875 |
11,053 |
Truth in Lending Act, 15 U.S.C. 1639e(k)(2) | Subsequent violations |
21,749 |
22,105 |