Civil Penalty Inflation Adjustments

Document 2025-00167 is a Final Rule published by the Consumer Financial Protection Bureau in the Federal Register on January 8, 2025, with an effective date of January 15, 2025. The Consumer Financial Protection Bureau (CFPB) is adjusting for inflation the maximum amount of each civil penalty within the CFPB's jurisdiction. These adjustments are required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Inflation Adjustment Act), 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. The inflation adjustments mandated by the Inflation Adjustment Act serve to maintain the deterrent effect of civil penalties and to promote compliance with the law. View the original at https://www.federalregister.gov/documents/2025/01/08/2025-00167/civil-penalty-inflation-adjustments.

No. Document 2025-00167 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.