Financial Justice Victory: CFPB Delivers $19B Relief as Capital One Faces $2B Consumer Theft Lawsuit
CFPB provides $19B relief to 195M accounts, sues Capital One for $2B theft, Navient banned from federal loans, $384M Think Finance relief.
By Compens.ai Research Team
Insurance Claims Expert
Financial justice achieved major victories recently-2025 through aggressive CFPB enforcement, providing $19 billion in relief to 195+ million consumer accounts while pursuing billion-dollar cases against major financial institutions.
CFPB sued Capital One in recent updates, alleging the banking giant with $480+ billion in assets steered customers away from higher-interest accounts, costing them over $2 billion - demonstrating how banks profit from customer ignorance.
Navient faced permanent federal loan servicing ban and $120 million penalty for illegally steering borrowers into costly repayment options while depriving them of affordable income-driven plans, protecting millions of student borrowers.
The Bureau distributed $384 million to 191,000+ victims of Think Finance predatory lending through victims relief fund, bringing total disbursements to over $1 billion for harmed consumers.
Predatory lending enforcement expanded: CFPB and DOJ sued Colony Ridge targeting Hispanic borrowers with flood-prone land without utilities, using unaffordable loans with 25% foreclosure rates for resale schemes.
Banking discrimination cases increased: CFPB referred 18 fair lending matters to DOJ in 2023 including mortgage redlining, discrimination based on race/national origin/sex/age, and predatory targeting of communities of color.
However, enforcement faces political attack: CFPB withdrew lawsuit against Pennsylvania Higher Education Assistance Agency in February 2025 despite illegal pursuit of discharged bankruptcy debts, with critics calling it "capture and demolition of federal consumer watchdog."
Repeat offender accountability succeeded: Fifth Third Bank faced multiple actions for auto loan fees causing repossessions, while Freedom Mortgage violations continued through 2019, 2023, and 2025, proving sustained enforcement needed.