{"id":35881,"date":"2023-03-06T10:20:44","date_gmt":"2023-03-06T15:20:44","guid":{"rendered":"https:\/\/d56fg8tfg.fitnews.club\/finance\/cfpb-report-outlines-legal-violations-uncovered-by-supervision\/"},"modified":"2023-03-06T10:20:44","modified_gmt":"2023-03-06T15:20:44","slug":"cfpb-report-outlines-legal-violations-uncovered-by-supervision","status":"publish","type":"post","link":"https:\/\/d56fg8tfg.fitnews.club\/finance\/cfpb-report-outlines-legal-violations-uncovered-by-supervision\/","title":{"rendered":"CFPB Report Outlines Legal Violations Uncovered by Supervision"},"content":{"rendered":"<div>\n<p><strong><em>Examiners Recover $19.4 Million in Remediation for more than 92,000 Consumers<\/em><\/strong><\/p>\n<p><strong>WASHINGTON, D.C. \u2013<\/strong> Today the Consumer Financial Protection Bureau (CFPB) released its latest supervision report highlighting legal violations uncovered by the Bureau\u2019s examiners. The Bureau found deceptive student loan debt collection practices, unfair and deceptive overdraft practices, mortgage origination violations, fair lending violations, and mishandled disputes by consumer reporting agencies. The report also shows that CFPB supervisory resolutions resulted in remediation of $19.4 million to more than 92,000 consumers.<\/p>\n<p>\u201cWe are sharing our latest supervisory highlights report with the public so that industry can see trends, examine their own practices, and be proactive to make needed changes before consumers are hurt,\u201d said CFPB Director Richard Cordray. \u201cThe CFPB will continue to monitor both bank and nonbank markets to ensure deception is rooted out, deficiencies are corrected, remediation is given to consumers, and violations are stopped in their tracks.\u201d<\/p>\n<p>Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), the CFPB has authority to supervise banks and credit unions with over $10 billion in assets and certain nonbanks. Those nonbanks include mortgage companies, private student loan lenders, and payday lenders, as well as nonbanks the Bureau defines through rulemaking as \u201clarger participants.\u201d To date, the Bureau has issued rules to supervise the larger participants in the markets of debt collection, consumer reporting, international money transfer, and student loan servicing. <\/p>\n<p>Today\u2019s report, which is the seventh edition of supervisory highlights, generally covers supervisory activities between July 2014 and December 2014. Among the findings:<\/p>\n<ul>\n<li><strong>Deceptive student loan debt collection practices:<\/strong> Bureau examiners found that some student loan debt collectors made deceptive statements to consumers with defaulted federal student loans. In collection calls and call scripts, examiners found that collectors overpromised the restoration of credit profiles if borrowers participated in a federal student loan rehabilitation program; and collectors misinformed consumers by telling them that they could not participate in the rehabilitation program unless they paid by credit card, debit card, or ACH payments, when, in fact, no such requirement existed.<\/li>\n<\/ul>\n<ul>\n<li><strong>Unfair and deceptive overdraft practices:<\/strong> Bureau examiners found that certain banks changed the way in which they assessed overdraft fees \u2013 and that the new approaches increased the likelihood that consumers would incur fees that they did not anticipate. The institutions did not explain the changes in a way that consumers could understand and use to avoid overdraft fees. Based on the specific situation at these institutions, examiners found that the banks had carried out unfair and deceptive practices.<\/li>\n<\/ul>\n<ul>\n<li><strong>Mortgage origination violations:<\/strong> Bureau examiners found that some loan originators illegally received compensation based on the terms of the loan. Examiners also found that at some loan originators the amounts disclosed on the HUD-1 form improperly exceeded those disclosed on the Good Faith Estimate. Some loan originators advertised the length of payment, amount of payments, numbers of payments, and finance charges without providing the required disclosures. And, the Bureau found weaknesses in compliance management systems that played a significant role in the identified violations.<\/li>\n<\/ul>\n<ul>\n<li><strong>Fair lending violations:<\/strong> Bureau examiners found that one or more institutions rejected mortgage applications from consumers because they relied on public assistance income, such as Social Security or retirement benefits, in order to repay the loan. Marketing materials contained written statements regarding the prohibition on non-employment sources of income, and discouraged applicants who received public assistance from applying for credit. This violates the Equal Credit Opportunity Act. CFPB examiners directed that remediation be made to harmed applicants.<\/li>\n<\/ul>\n<ul>\n<li><strong>Mishandling of disputes by consumer reporting agencies:<\/strong> Over the past several years, the CFPB has been examining consumer reporting agencies to see how they handle consumer disputes. While Bureau examiners found great improvements in how some handle disputes in its most recent exams, one or more agencies are still failing to consistently forward all relevant consumer information to furnishers. Such inadequate processes can lead to errors in credit files and incorrect dispute investigation outcomes.<\/li>\n<\/ul>\n<p>In all cases where CFPB examiners find violations of law, they alert the institutions to their concerns and outline necessary remedial measures. When appropriate, the CFPB opens investigations for potential enforcement actions. The CFPB expects all entities under its supervision to respond to customer complaints and identify major issues and trends that may pose broader risks to their customers.<\/p>\n<p>The CFPB often finds problems during supervisory examinations that are resolved without an enforcement action. Recent non-public supervisory actions and self-reported violations at banks and nonbanks resulted in $19.4 million in remediation to more than 92,000 consumers. These non-public actions have occurred in areas such as payday lending, mortgage servicing, and mortgage origination.<\/p>\n<p><strong>Today\u2019s edition of supervisory highlights is available at: <a rel=\"noopener nofollow external noreferrer sponsored\" target=\"_blank\" class=\"a-link a-link__icon\" href=\"https:\/\/files.consumerfinance.gov\/f\/201503_cfpb_supervisory-highlights-winter-2015.pdf\" data-wpel-link=\"external\"><span class=\"a-link_text\">https:\/\/files.consumerfinance.gov\/f\/201503_cfpb_supervisory-highlights-winter-2015.pdf<\/span> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"cf-icon-svg\" viewbox=\"0 0 12 19\"><path d=\"M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z\"\/><\/svg><\/a><\/strong><\/p>\n<\/p><\/div>\n<p>Official news published at <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/cfpb-report-outlines-legal-violations-uncovered-by-supervision\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"nofollow external noopener noreferrer sponsored\">https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/cfpb-report-outlines-legal-violations-uncovered-by-supervision\/ <\/a><br \/>\n<br \/><i>Images courtesy of <a href=\"https:\/\/pixabay.com\" target=\"_blank\" rel=\"noopener nofollow external noreferrer sponsored\" data-wpel-link=\"external\">PixaBay<\/a><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Examiners Recover $19.4 Million in Remediation for more than 92,000 Consumers WASHINGTON, D.C. \u2013 Today the Consumer Financial Protection Bureau (CFPB) released its latest supervision report highlighting legal violations uncovered by the Bureau\u2019s examiners. The Bureau found deceptive student loan debt collection practices, unfair and deceptive overdraft practices, mortgage origination violations, fair lending violations, and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35882,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[373],"tags":[],"class_list":{"0":"post-35881","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance"},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.6.9 - aioseo.com -->\n\t\t<meta name=\"description\" content=\"Examiners Recover $19.4 Million in Remediation for more than 92,000 Consumers WASHINGTON, D.C. \u2013 Today the Consumer Financial Protection Bureau (CFPB) released its latest supervision report highlighting legal violations uncovered by the Bureau\u2019s examiners. 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