The Consumer Financial Protection Bureau, now run under the Trump administration, has not added a new enforcement case to its public list since August 2025. The newest entry on the bureau’s enforcement actions page is Synapse Financial Technologies, filed August 21, 2025, and nothing on the list is dated later.

Before Synapse, the previous entry was Wise US Inc., dated January 30, 2025. Between those two, the list shows a run of January 2025 filings, then a gap of nearly seven months before Synapse. The bureau’s two newest newsroom items, both from October 2026, concern a debanking initiative and financial literacy, not a company case.

For bank and fintech customers, the practical question is how to avoid losing money when fewer federal cases are being filed against companies. The bureau’s list is the free official place to see which firms it has taken to court, and it can be searched by company name. For a customer facing a collector or a frozen account, the first response still falls to the person who gets the letter or call.

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What is the last case the CFPB posted?

The Synapse case was a complaint filed in the U.S. Bankruptcy Court for the Central District of California, docket 1:25-ap-01052, with a proposed stipulated final judgment and order. The court entered the stipulated final judgment on September 12, 2025, according to the bureau’s Synapse page, which was last updated September 15, 2025.

The bureau alleged that Synapse, a company based in Woodland Hills, California, kept inadequate records of where consumers’ funds were held and did not make sure those records matched its partner banks’ records. As a result, consumers lost access to their money. The partner banks found a shortfall of $60 million to $90 million between the funds they held and the amounts in Synapse’s records.

What did the Synapse case actually cost the company?

The judgment carries a $1 civil money penalty. The bureau’s page says the $1 figure lets the bureau access its civil penalty fund to compensate harmed consumers. The judgment also bars Synapse from selling customer information.

The page also says many consumers have not received the full amount of their account balance, and that consumers went weeks or months without access to their money while the banks reconciled records. It does not list a payment schedule or an amount for redress.

What has the bureau announced since?

The newsroom lists no lawsuit, consent order or settlement announced against a company after August 21, 2025. On October 14, 2026, the bureau announced a new initiative to address what it called OCC-uncovered debanking by large banks. On October 2, it said it supports the National Strategy for Financial Literacy.

Other items since last August cover rulemaking, data releases and court filings. They include a June 25, 2026, joint final rule on uniform standards for reporting financial data, an August 14, 2026, announcement that the bureau will stop discretionary publication of complaint narratives, and a November 11, 2025, notice that the bureau told a court it cannot lawfully draw funds from the Federal Reserve. Deputy Director Mark Paoletta spoke to the Financial Literacy and Education Commission on July 27, 2026.

One June 2, 2026, newsroom headline says the bureau “works to ensure Bilt consumers are made whole.” It is not listed as an enforcement action. The last company settlement announced in the newsroom is the FirstCash settlement, dated July 11, 2025, over Military Lending Act violations.

Where does that leave a customer with a collector or a bank problem?

A quiet enforcement list does not change the rules a collector or a bank has to follow, but it does mean fewer public cases to point to. On August 14, 2026, the bureau also announced it would cease discretionary publication of complaint narratives and visualizations, which removes another public view of how companies are treated.

The open question is whether the bureau will bring another action this year. The list shows none since Synapse, and the bureau has not said whether it plans more. Until it does, the enforcement page is the place to look for a company’s name.

Ready if a debt collector calls?

With the bureau’s public case list unchanged since August 2025, the first line of defense against a collector’s call or letter is the person who receives it. A call that goes unlogged and a deadline that goes unmarked are how small debts turn into frozen accounts.

The Bank Account & Debt Protection Kit does not follow CFPB cases. It covers the collector job: the debt-validation steps for making a collector prove a debt, and a debt inventory, call log and deadline tracker. It also explains the 2-month bank protection rule for Social Security money in a bank account.

Get the debt-validation steps and call log in the Bank Account & Debt Protection Kit →

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This article was produced with AI assistance and edited for accuracy against the sources linked above.