CFPB Report Shows Sharp Drop in New Enforcement Actions

The Consumer Financial Protection Bureau's semiannual report to Congress for January through June 2026, released October 27, 2026, details a shift in regulatory priorities under the Trump administration. The report documents the initiation of just one public enforcement action during the reporting period, the closure of about 40% of pending investigations, and the termination of 16 pending final orders.

The report highlights an emphasis on voluntary remediation, with the CFPB securing over $250,000 in redress from Bilt for more than 2,000 consumers without a public enforcement action. The Bureau now prioritizes identifying intentional discrimination and has finalized rulemakings that limit ECOA to exclude disparate-impact liability and narrow small-business lending data collection.

The CFPB also reports it is focusing on alleged unlawful debanking and has ceased publishing unverified complaint narratives. The report notes that no fair lending violations were cited during the period, although examinations were in early stages.