12 CFR 1083.1: Adjustment of civil penalty amounts.

(a) The maximum amount of each civil penalty within the jurisdiction of the Consumer Financial Protection Bureau to impose is adjusted in accordance with the Federal Civil Penalties Inflation Adjustment Act of 1990, as amended by the Debt Collection Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 (28 U.S.C. 2461 note), as follows:

Table 1 to Paragraph (a)

Law Penalty description Adjusted maximum civil penalty amount

12 U.S.C. 5565(c)(2)(A) Tier 1 penalty $7,217

12 U.S.C. 5565(c)(2)(B) Tier 2 penalty 36,083

12 U.S.C. 5565(c)(2)(C) Tier 3 penalty 1,443,275

15 U.S.C. 1717a(a)(2) Per violation 2,515

15 U.S.C. 1717a(a)(2) Annual cap 2,513,215

12 U.S.C. 2609(d)(1) Per failure 118

12 U.S.C. 2609(d)(1) Annual cap 236,451

12 U.S.C. 2609(d)(2)(A) Per failure, where intentional 236

12 U.S.C. 5113(d)(2) Per violation 36,439

15 U.S.C. 1639e(k)(1) First violation 14,435

15 U.S.C. 1639e(k)(2) Subsequent violations 28,866

(b) The adjustments in paragraph (a) of this section shall apply to civil penalties assessed after January 15, 2025, whose associated violations occurred on or after November 2, 2015.