2015 - Citibank
NgoJulayi 2015, i- Citibank yalelwa ukuba ibuyiselwe imali engama-700 yezigidi ukuya kuma-8.8 yezigidi zamakhadi ayenamaxhoba okuthengisa ngokukhohlisa, ukuhlawula okungekho sikweni, kunye nezenzo zokuqokelela ngokungafanelekileyo ezinxulumene neenkonzo zongezelelweyo ngekhadi lesikweletu kunye nemirhumo yokuhlawula.
Kwi-release release, i-CFPB ibika iCiti kunye nenkxaso-mali eyimveliso ekhohlisayo kunye novavanyo lwamahhala eentsuku ezingama-30, ayikwazanga ukucacisa kakuhle iindleko zokubeka iikhredithi, abaniki bamakhadi ababhalisiweyo ngaphandle kokugunyazwa ngokucacileyo, kwaye bahluleka ukuphawula abanini bamakhadi xa bengenakufanelekela ukufumana iinzuzo zeenkonzo.
I-Citi nayo inokubuyiselwa imali yabanini bamakhadi abahlawuliswe ngokungafanelekileyo intlawulo yokuhlawulelwa ngokukhawuleza kuba abaphathi bekhadi bahlawuliswa ngaphandle kokukwaziswa ngenjongo yonyaniso kwaye abazange banikwe ikhetho lokuhlawulwa.
I-Citibank iyadingeka ukuba ibuyiselwe bonke abanikazi bamakhadi abathintekayo (akukho nyathelo efunekayo kubanini bamakhadi ukuba bafumane ukubuyiselwa kwembuyekezo yabo), ukuphelisa yonke imali yokukhokhiswa ngokungekho mthethweni kunye nemikhwa engekho mthethweni, ukuhlawula isohlwayo se-$ 35 kwi-CFPB, kunye nesigwebo se-$ 35 kwi- Ofisi yoMlawuli woMlawuli weMali .
2014 - iBhanki yase-US, i-GE Capital kunye neBhanki yaseMelika
NgoSeptemba 2014, iBhanki yase-US yalelwe ukuba ibuyiselwe imali engama-48 million kwizigidi zabathengi ngenxa yeendlela zokubambisa ngokungekho mthethweni ezihambelana nemveliso yokongeza kwamakhadi-mboleko kunye neminye imikhiqizo yasebhanki.
Abanini bekhadi bahlawuliswa ngemveliso yokubeka iikhredithi phambi kokuba ibhanki ithole imvume egunyazisiweyo.
Ngokutsho kweCFPB, iinkonzo zokubeka iikhredithi, ngezinye iimeko, azizange zenzelwe okanye zingenakwenziwa ngokupheleleyo kunye nabanikazi bamakhadi abahlawulwe kule nkonzo iminyaka emininzi. Kwezinye iimeko, iintlawulo zeenkonzo zenze ukuba abanini bamakhadi badlule umda wabo wemali okanye bahlawulwe inzala engekho.
Ibhanki yase-US ayizange inikezele ngeenkonzo zokubeka iitalenti ngokukhawuleza, kodwa ibhekiswe kumakhasimende anomdla kwiinkampani zenkampani yesithathu, iNgqiqo, ngokwemali ye-CNN. Ibhanki iphelile ulwalamano lwayo kunye neNgqiqo kwiminyaka emibini edlulileyo emva kokufunda malunga nemicimbi kunye neentlawulo kunye neenkonzo.
I-CFPB idinga ukuba iBhanki ye-US ithintele ukuziphatha okungekho mthethweni, ukubuyisela imali engama-48 yezigidi ezingama-48 ukuya kuma-420,000 abathengi ababhalise kwi-credit monitoring. Ibhanki yase-US kufuneka ihlawule isigwebo se-$ 5 yezigidi kwi-CFPB ye-Penalty Fund Fund kunye nesihlwayo se-$ 4 yezigidi kwi-Ofisi yoMgcini-mboleko weMali.
Abathengi bamanje be-BANK base-US baya kufumana i-akhawunti kwi-akhawunti yabo kunye nabathengi bangaphambili baya kufumana isheke kwi-imeyile.
NgoJuni ka-2014, i-CFPB yalela i- GE Capital Retail Bank ukuhlawula izigidi ezingama-225 kwizigidigidi zamashishini ayenamaxhoba okuthengisa okukhohlisayo kunye neenkqubo zokukhawuleza zetyala le-credit card.
Ekuthengiseni imveliso yayo yokukhishwa kwetyala, i-GE Capital ilahlekise abathengi malunga nexabiso lentengo, ukufaneleka, kunye nexesha lokubhalisa. I-GE Capital kufuneka ibuyiselwe imali engama-56 yezigidi kubathengi abachaphazelekayo ngolu hlobo.
Ukongeza, i-GE Capital ayikwazanga ukwandisa iinkonzo zayo zokukhansela izikweletu kubathengi abaye babonisa ukuba bathetha iSpanish okanye babethetha ngePuerto Rico. Lo mkhuba wawuphula umthetho we-Equal Credit Opportunity Act owenqabela ababolekisi ukuba bahlulele abaxumi ngokusekelwe kumvelaphi kazwelonke. IG Capital iyadingeka ukubuyiselwa imali eyi-169 yezigidi kubathengi abaye baxhoba eli calulo.
I-CFPB idinga i-GE Capital, osanda kutshintsha igama layo kwi-Synchrony Bank, ukuhlawula i-$ 3.5 yezigidi.
Ngo-Ephreli 2014, iBhanki yaseMelika yalelwa ukuba ibuyiselwe imali engama-727 yezigidi kumthengi ayenamaxhoba okuthengisa ngokukhohlisa kunye neendlela zokubhatala ngokungafanelekileyo zokukhusela ukukhutshwa kwekhadi kunye neenkonzo zokubeka iikhredithi.
Kwaphela malunga nemibini emibini, abameli beBhanki yaseMelika bathengisa iinkonzo zokukhusela iakhadi yokuthenga ngetyala kumakhadi abanomhla wokuqala wamaxesha angama-30. Nangona kunjalo, inkampani yaqala ukuhlawula abanikazi bamakhadi kwangoko. Abanini bamakhadi babhalise kwiinkonzo ngokukhawuleza ukuba bavuma kuphela ukufumana ulwazi olongezelelweyo. Ekugqibeleni, i-Bank of America telemarketers yayichaza kakubi iinjongo zeenkonzo zokukhusela iintlawulo.
Ukongeza kubathengi abalahlekisa malunga neenkonzo zokukhusela iintlawulo, iBhanki yaseMelika inikwe imali yabanini bamakhadi ngokuchanekileyo ngenkonzo yokukhusela isazisi. Kule meko, abanikazi bamakhadi bahlawuliswa iinkonzo zokujonga iitaliti phambi kokuba iinkonzo ziqale. Abanye abanikazi bamakhadi bahlawuliswa inzala kwiinkonzo ezihlawuliswa ngokungafanelekanga kunye nabanye abafumana umrhumo wokudlula umda wabo wemali.
Ukongeza kwi-$ 727 yezigidi ezibuyiselwa kubathengi, iBhanki yaseMelika iyadingeka ukuhlawula i-$ 20 yezigidi kunye ne-$ 25 kwizigwebo zomntu kwi-CFPB kunye ne-Ofisi yoMlawuli weeMali.
2013-GE Capital Retail, i-American Express kunye ne-Chase
NgoDisemba 2013, i- GE Capital Retail yafunwa ukubuyiselwa imali engama-34.1 yezigidi kubanini bamakhadi abhalisele iCatal Care credit credit card emva kokukhohliswa ngokunyusa inzuzo. Izigulane zibhalisela iCredit credit card kumagqirha ', iizinyunithi zamazinyo, okanye ezinye iifisi zeenkonzo zeenkonzo zonyango ukuncedisa iindleko zonyango ezingabandakanywa yinshuwalense. Abathengi banqatshelwe isicwangciso sokuhlawula inzala, xa eqinisweni, babesayinisela isicwangciso senzalo esichasayo, esithintela inzala epheleleyo ukuba ibhalansi ingabuyiselwa ngokupheleleyo emva kwexesha elithile.
Ezinye izigulane zazingazi ukuba zisayinela kwikhadi lekhredithi. Baye bakholelwa ukuba basebenzela isicwangciso sokuhlawula indlu ngaphakathi kunye nomboneleli wesevisi. Ngaloo ndlela, ezininzi izigulane azizange zinikezelwe ngokuchanekileyo ngekhadi lesikweletu.
Kwakhona ngoDisemba 2013, i- American Express yalelwa ukuba ibuyiselwe imali engama-59.5 yezigidi kubanini bamakhadi ngemisebenzi yamakhredithi engekho mthethweni kuquka ukuthengiswa okukhohlisayo kunye nokuhlawula okungekho emthethweni kwimveliso yokongezwa njengokukhuselwa kwentlawulo kunye nokubeka iliso kwi-credit.
Abanikazi bekhadi bekhokelwa ukuba bakholelwe ukuba iinkonzo zabo zokukhusela iintlawulo ziya kunika inzuzo enkulu yemali ixesha elide kunokuba linikezelwe ngokwenene. Ukukhuselwa kwemveliso kwakufuneka ukuba ikhululeke ngokumalunga nokuhlawulelwa ngexesha elithile. Abathengi bakholelwa ukuba lo mhla wawungumvuzo oqhelekileyo ngenxa yomhla wokugqibela xa umcimbi wokugqibela wexesha lokuhlawula, umhla owawungaphambi komhla wokuhlawula.
I-Amex yahluleka ukuphawula ngokupheleleyo abathengi, ngokukodwa ezo zisePuerto Rico, malunga nemimiselo neemeko zalo Mkhiqizo we-Lost Wallet.
Ngokubhekiselele kwiinkonzo zalo zokukhusela ubusela, u-Amex waqalisa ukuhlawula abathengi ngenkonzo ngaphambi kokuzaliswa kwenkqubo yobhaliso. Inkampani nayo yahluleka ukwazisa abanikazi bamakhadi kuwo onke amanyathelo afanelekileyo ukuze afumane zonke iinzuzo. Ngoko ke, abathengi babehlawula iintlawulo abazange bazithabathe. Kwezinye iimeko, iirhafu zenze ukuba abanini bamakhadi badlulise umda wabo wemali kwaye bahlawulwe inzala kunye nemirhumo eyongezelelweyo.
Ekubeni iinkonzo zokukhusela ulwaphulo zibandakanya ingxelo yekhredithi yamahhala, i-Amex bekufuneka ixelele abathengi banelungelo labo lokunika ingxelo kwi-credit card. Nangona kunjalo, oku kuveliswa akuzange kwenziwe rhoqo.
Kule nyathelo, i-American Express kwafuneka kwakhona ukuba ihlawule imali engama-9.6 yezigidi ze-CFPB.
NgoSeptemba 2013, i- Chase Bank kunye no-JP Morgan Chase balelwa ukuba babuyisele imali engama-309 yezigidi kubanini bamakhadi abahlawuliswa ngokungafanelekileyo kwimveliso ethile yokongezwa. Ukususela ngo-2005 ukuya ku-2012, baxoshe abanikazi bamakhadi abhalisele kwimveliso yokutshitshiswa kobuqhetseba kunye neenkonzo zokuqapha ubuqhetseba ngaphandle kwemvume ebhaliweyo evela kubanini bamakhadi. Abanini bamakhadi bakhankanywe ngaphambi kokuba iinkonzo ziqale (into engekho mthethweni phantsi koMthetho weNkundla yeMali yokuTyala), kwaye ayizange ifumane iingeniso ezipheleleyo zeenkonzo.
I-Chase nayo kwafuneka ihlawule i-penalty yezigidi ezingama-20 kwi-CFPB kunye ne-penalty yezigidi ezingama-60 kwi-Ofisi yoMphathi weMali.
2012 - Fumana, i-American Express, kunye neNkunzi eyodwa
Ngo-Oktobha 2012, Qaphela iBhanki yalelwa ukuba ibuyiselwe imali engaphezu kwezigidi ezingama-200 ukuya kwii-3.5 yezigidi zabathengi ababhalise kwiNkxaso-mboleko yeNtlawulo, i-Credit Score Tracker, okanye i-Identity Protection Server.
I-CFPB ithi ukufumana abathengi ababhalisile ngaphandle kwemvume yabo, balahlekise abathengi malunga neendleko zale nkonzo, behlulekile ukudalula ulwazi malunga nokufaneleka kwamanqaku, kunye nabaxhasi bathengiweyo ngaphambi kokuzalisekisa isithembiso sabo sokuqala ukuthumela iinkcukacha malunga nemveliso. Ukongezelela kumakhasimende abuyiselwayo, Ukufumanisa kwakhona kufuneka uhlawule i-penalty yezigidi eziyi-14 kwi-CFPB kunye ne-US Treasury.
NgoSeptemba 2012, i- American Express yafunwa ukubuyiselwa imali engama-85 yezigidi ukuya kuma-250,000 abanikazi bamakhadi kwiziganeko ezininzi.
- Ibhanki yahluleka ukuhlawula ibhonasi ye-$ 300 ehambelana nekhadi lekredithi yase-American Express Blue Sky.
- Abanye abanikazi bamakhadi bahlawuliswa imali eninzi.
- Baye baphula uMthetho woMntu we-Equal Credit Act ngokusebenzisa iminyaka yobudala njengento ebalulekileyo kwinkqubo yokufaka imali ngekredithi kodwa ukungaphumeleli ukusebenzisa inkqubo kubangaphezu kweminyaka engama-35.
- Amashishini angama-American Express akhokelela abanye abathengi ukuba bakholwe ukuba bangaphucula iitaliti zabo ngokuhlawula amatyala adala xa iakhawunti ingaphantsi kwexesha lokunika ingxelo ngetyala , eliyiminyaka esixhenxe kwiintlobo ezininzi zamatyala. Amanqaku akho ekhredithi ayithinteli ngokuhlawula amatyala angasabhengezwa. I-CFPB ngoku ifuna i-American Express ukuba yazise abathengi xa iqokelela ityala elidala kakhulu ukuba lingabhalwa kwi-credit bureau.
- Abanye abathengi babetshelwe ukuba bangamkela isibonelelo sokuhlawula kwaye baxolelwe. Nangona kunjalo, amatyala awazange axolelwe kwaye abathengi banqatshelwa kamva ikhadi le-American Express ngenxa yalo. Kubathengi, i-American Express kufuneka ihlawule i-$ 100 kwaye ithumele i-credit card yangaphambili evunyiwe. Abathengi abaye bahlawula umhlala-phantsi ukuze bafumane ikhadi lekhredithi baya kufumana imali yokubuyiselwa kwelo tyala elihlawulwe kunye nomdla.
I-American Express nayo iya kufuneka ihlawule i-$ 27.5 kwiimbuyekezo zentlawulo kwi-CFPB, i-FDIC, i-Federal Reserve, kunye ne-Ofisi yoMlawuli weeMali.
NgoJulayi 2012, iNkunzi yokuqala yayalawulwa ukuba ibuyiselwe imali eyi-140 yezigidi ukuya kubangamashumi amabini abanikazi bamakhadi emva kokuba umnikeli wamakhadi akhohlise abathengi ekuthengeni iinkonzo ezithile zokuncedisa, njengezicwangciso zokukhusela iintlawulo kunye nokubeka iliso kwi-credit .
Ngokutsho kweCFPB, i-Capital One ilahlekise abathengi malunga neenzuzo zeenkonzo, yahluleka ukwazisa abathengi ukuba iinkonzo zikhethiweyo, zahluleka ukwazisa abathengi abathile ababengafanelekiyo ukufumana iinzuzo zeenkonzo, bekhohliswa ukucinga ukuba iinkonzo zikhululekile, kwaye ababhalise ngaphandle kwemvume.
Ukongeza, i-Capital One yenza kube nzima nakungenakwenzeka kwabanye abanikazi bamakhadi ukukhansela iinkonzo.
Ukongeza kwizigwebo eziyi-140 yezigidi, i-Capital One yafuneka ukuba ikhokhe i-penalty yezigidi ezingama-25 kwi-CFPB kunye ne-penalty yezigidi ezingama-35 kwi-Ofisi yoMphathi weMali.
Inkqubo yo kubuyiselwa
Kwimeko nganye, ukubuyiselwa kwemali kwenzelwa ngokuzenzekelayo kungekho nanyathelo oluyimfuneko kubanini bamakhadi abathintekayo. Abo bahlala bexhasi be-card issuer credit card bafumana i-credit kwiakhawunti zabo. Abathengi bamandulo babefumana isheke kwi-imeyile kwisixa sembuyekezo efunekayo. Xhumana nomniki-khadi wekhadi ngokukhawuleza ukuba ukholelwa ukuba unelungelo lokubuyiselwa imali kodwa awufumani enye.