Total Regulatory Penalty Index · OCC + CFPB + Fed + FTC

US banks ranked by total federal fines and penalties.

Name: ComplaintRate Total Regulatory Penalty Index
Creator: ComplaintRate

Combined civil money penalties and consumer relief orders across OCC, CFPB, Federal Reserve, and FTC enforcement actions. Partial data — FinCEN, FDIC, and OFAC penalty totals are tracked separately and not yet included in the combined figure.

$12.38B

total tracked (partial)

41

institutions with penalties

$4.60B

largest single penalty

4

agencies combined

Rank	Institution	Total Penalty	OCC	CFPB	Fed	FTC	Rate /1k
1	Wells Fargo & Company	$4.60B	$899.2M	$3.70B	—	—	0.99
2	Jpmorgan Chase & Co.	$2.63B	$2.43B	$200.0M	—	—	0.53
3	Bank Of America, National Association	$1.77B	$1.62B	$150.0M	—	—	0.74
4	Citibank, N.A.	$1.03B	$1.00B	$25.5M	—	—	0.75
5	Equifax, Inc.	$700.0M	—	$700.0M	—	—	0.00
6	Capital One Financial Corporation	$663.1M	$453.1M	$210.0M	—	—	2.10
7	U.S. Bancorp	$247.3M	$247.3M	—	—	—	0.77
8	Synchrony Financial	$225.0M	—	$225.0M	—	—	6.80
9	Morgan Stanley & Co. Llc	$120.0M	$120.0M	—	—	—	0.00
10	Goldman Sachs Bank Usa	$89.0M	—	$89.0M	—	—	0.30
11	Ally Financial Inc.	$80.0M	—	$80.0M	—	—	1.12
12	Tcf National Bank	$63.1M	$38.1M	$25.0M	—	—	0.00
13	Portfolio Recovery Associates, Llc	$43.0M	—	$43.0M	—	—	0.00
14	Barclays Bank Delaware	$36.0M	—	$36.0M	—	—	5.10
15	First National Bank Of Omaha	$35.4M	$3.1M	$32.3M	—	—	1.12
16	First Citizens Bancshares, Inc.	$17.0M	$17.0M	—	—	—	0.00
17	Sterling Jewelers, Inc.	$10.0M	—	$10.0M	—	—	0.00
18	Santander Bank, National Association	$9.4M	$9.4M	—	—	—	0.00
19	Sterling Infosystems Inc.	$6.0M	—	$6.0M	—	—	0.00
20	Flagstar Bank, National Association	$4.1M	$4.1M	—	—	—	0.07
21	Umb Financial Corporation	$1.5M	$1.5M	—	—	—	0.00
22	Everbank, National Association	$1.0M	$1.0M	—	—	—	0.45
23	Associated Banc-Corp	$625K	$625K	—	—	—	0.00
24	Old National Bancorp	$576K	$576K	—	—	—	0.00
25	State Farm Bank, Fsb	$547K	$547K	—	—	—	0.00
26	Cashcall, Inc.	$350K	$350K	—	—	—	0.00
27	Village Capital & Investment Llc	$269K	—	$269K	—	—	0.00
28	Risecredit, Llc	$208K	$208K	—	—	—	0.00
29	First National Bank Of Pennsylvania	$181K	$181K	—	—	—	0.22
30	Webster Bank, National Association	$125K	$125K	—	—	—	0.21
31	Cit Bank, National Association	$83K	$83K	—	—	—	0.00
32	Commerce Bank	$58K	$58K	—	—	—	0.34
33	Security Finance Corp	$50K	$50K	—	—	—	0.00
34	Midfirst Bank	$35K	$35K	—	—	—	0.63
35	Albert Corporation	$23K	$23K	—	—	—	0.00
36	Great Lakes	$15K	$15K	—	—	—	0.00
37	Factortrust, Inc.	$5K	$5K	—	—	—	0.00
38	New York Community Bancorp Inc	$2K	$2K	—	—	—	0.00
39	Flagstar Bank, N.A.	$2K	$2K	—	—	—	0.00
40	Fifth Third Financial Corporation	$1K	$1K	—	—	—	0.00
41	Unifin Inc.	$500	$500	—	—	—	0.00

Penalty totals are partial — OCC, CFPB, Federal Reserve, and FTC only. FinCEN BSA/AML penalties, FDIC CMPs, OFAC sanctions, and DOJ consent order amounts are tracked separately and not included in this total. Actual total federal penalty exposure for major institutions is higher than shown. Data sources →

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