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.

[90 FR 1356, Jan. 8, 2025]