(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.