usc 12 § 5564
Litigation authority (BANKS AND BANKING (12 U.S.C.))
Operative Text
If any person violates a Federal consumer financial law, the Bureau may, subject to sections 5514, 5515, and 5516 of this title, commence a civil action against such person to impose a civil penalty or to seek all appropriate legal and equitable relief including a permanent or temporary injunction as permitted by law. The Bureau may act in its own name and through its own attorneys in enforcing any provision of this title, rules thereunder, or any other law or regulation, or in any action, suit, or proceeding to which the Bureau is a party. The Bureau may compromise or settle any action if such compromise is approved by the court. When commencing a civil action under Federal consumer financial law, or any rule thereunder, the Bureau shall notify the Attorney General and, with respect to a civil action against an insured depository institution or insured credit union, the appropriate prudential regulator. In addition to any notice required under paragraph (1), the Bureau shall notify the Attorney General concerning any action, suit, or proceeding to which the Bureau is a party, except an action, suit, or proceeding that involves the offering or provision of consumer financial products or services. In order to avoid conflicts and promote consistency regarding litigation of matters under Federal law, the Attorney General and the Bureau shall consult regarding the coordination of investigations and proceedings, including by negotiating an agreement for coordination by not later than 180 days after the designated transfer date. The agreement under this subparagraph shall include provisions to ensure that parallel investigations and proceedings involving the Federal consumer financial laws are conducted in a manner that avoids conflicts and does not impede the ability of the Attorney General to prosecute violations of Federal criminal laws. Nothing in this paragraph shall be construed to limit the authority of the Bureau under this title, including the authority to interpret Federal consumer financial law. 1 The Bureau may represent itself in its own name before the Supreme Court of the United States, provided that the Bureau makes a written request to the Attorney General within the 10-day period which begins on the date of entry of the judgment which would permit any party to file a petition for writ of certiorari, and the Attorney General concurs with such request or fails to take action within 60 days of the request of the Bureau. Any civil action brought under this title may be brought in a United States district court or in any court of competent jurisdiction of a state in a district in which the defendant is located or resides or is doing business, and such court shall have jurisdiction to enjoin such person and to require compliance with any Federal consumer financial law. 1 Except as otherwise permitted by law or equity, no action may be brought under this title more than 3 years after the date of discovery of the violation to which an action relates. 1 An action arising under this title does not include claims arising solely under enumerated consumer laws. 1 In any action arising solely under an enumerated consumer law, the Bureau may commence, defend, or intervene in the action in accordance with the requirements of that provision of law, as applicable. In any action arising solely under laws for which authorities were transferred under subtitles F and H, the Bureau may commence, defend, or intervene in the action in accordance with the requirements of that provision of law, as applicable.
Under 12 U.S.C. § 5564, the Consumer Financial Protection Bureau (CFPB) is granted broad authority to bring civil lawsuits against parties who violate federal consumer financial laws, seeking remedies that can include civil penalties, injunctions, and other legal or equitable relief. The Bureau may litigate in its own name, settle cases with court approval, and even represent itself before the Supreme Court under specific procedural conditions. Civil actions must generally be filed within three years of discovering a violation, and the Bureau is required to notify the Attorney General when initiating certain proceedings, with coordination mechanisms in place to avoid conflicts with other federal enforcement efforts.
Plain English — not legal advice.
Property owners, managers, and financial-services operators subject to federal consumer financial laws should be aware that § 5564 empowers the CFPB to pursue civil litigation directly — without relying on another agency — and to seek a wide range of remedies including permanent injunctions. Compliant operators generally maintain clear records of their consumer-facing practices and policies, since the Bureau's enforcement reach extends to any entity within its supervisory jurisdiction as defined by 12 U.S.C. §§ 5514–5516. Understanding that the three-year discovery-based limitations period can affect when enforcement actions arise underscores the value of ongoing compliance monitoring rather than reactive correction.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
For consumers, 12 U.S.C. § 5564 means that the CFPB has the legal tools to take violators of federal consumer financial laws to court on the public's behalf, pursuing penalties and injunctive relief that can stop harmful practices. If you believe a landlord, lender, or servicer has violated a federal consumer financial law, you may consider filing a complaint with the CFPB directly, as the Bureau's litigation authority under this provision is one avenue through which systemic violations can be addressed. Tenant-rights organizations and legal aid offices can help you understand whether a particular practice falls under the federal consumer financial laws that § 5564 covers, and what other enforcement or complaint paths may be available to you.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 13, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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