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]