The FDIC cited 1,155 violations of consumer protection statutes and regulations in 2025, representing a decline from the year before, according to the agency’s annual Consumer Compliance Supervisory Highlights report.
The FDIC cited 1,275 violations in 2024, with five violations accounting for roughly three-quarters of the total. That pattern remained the same in 2025, with the most frequently cited violations being the Truth in Lending Act with 462 violations, the Electronic Fund Transfer Act with 136 violations, the Flood Disaster Protection Act with 131 violations, the Truth in Savings Act with 74 violations, and the Home Mortgage Disclosure with 72 violations.
The FDIC initiated 16 formal enforcement actions and 11 informal enforcement actions to address consumer compliance examination findings in 2025, according to the report. The agency issued civil money penalty orders totaling approximately $150 million against institutions, and it ordered approximately $1.2 billion in restitution. Other supervised institutions provided voluntary restitution payments totaling $4.7 million to 47,902 consumers for violations of various consumer protection laws and regulations.
