# 2025-00167: Government Raises Fines Because Everything Costs More Now

2025-00167, Civil Penalty Inflation Adjustments, is a Federal Register rule from an unnamed agency published 2025-01-08, effective 2025-01-15; PRIA reads it as touching household money (as of 2026-06-11).

- Canonical: https://policyrisk.com/federal-register/2025-00167
- As of: 2026-06-11
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2025-00167
- Title: Civil Penalty Inflation Adjustments
- Type: Rule
- Agencies: unknown
- Citation: unknown
- Published: 2025-01-08
- Effective: 2025-01-15
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-06-11

## In one line

Government Raises Fines Because Everything Costs More Now

## Summary

Starting January 15, 2025, the Consumer Financial Protection Bureau is raising the maximum fines it can charge for breaking certain financial rules to keep up with inflation. This means companies and people who don’t follow the rules might face bigger penalties than before. These changes help make sure penalties stay strong enough to encourage everyone to play fair.

## Abstract

The Consumer Financial Protection Bureau (CFPB) is adjusting for inflation the maximum amount of each civil penalty within the CFPB's jurisdiction. These adjustments are required by the Federal Civil Penalties Inflation Adjustment Act of 1990 (Inflation Adjustment Act), as amended by the Debt Collection Improvement Act of 1996 and further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015. The inflation adjustments mandated by the Inflation Adjustment Act serve to maintain the deterrent effect of civil penalties and to promote compliance with the law.

## Effects PRIA read

- CFPB raises civil penalty caps: cost, high. Starting January 15, 2025, the Consumer Financial Protection Bureau raises the maximum civil penalties it can impose across its jurisdiction to keep up with inflation. The adjustments use a multiplier of 1.02598 and increase fines for rule-breaking companies and people.
- Higher CFPB Tiered Penalties: cost, high. The CFPB increased its three tiered penalty caps: Tier 1 is now $7,217, Tier 2 is $36,083, and Tier 3 is $1,443,275. These new amounts apply to penalties assessed after January 15, 2025.
- Interstate Land Sales penalty increase: cost, medium. For the Interstate Land Sales Full Disclosure Act, the per-violation penalty rises to $2,515 and the annual cap rises to $2,513,215. These adjusted amounts apply to penalties assessed after January 15, 2025.
- RESPA fines rise per failure and cap: cost, medium. Under the Real Estate Settlement Procedures Act (RESPA), the per-failure penalty is now $118, the annual cap is $236,451, and where a failure is intentional the per-failure penalty is $236. These amounts apply to penalties assessed after January 15, 2025.
- SAFE Act per-violation increase: cost, medium. The Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act penalty per violation is increased to $36,439. This applies to penalties assessed after January 15, 2025.
- Truth in Lending penalty increases: cost, medium. For the Truth in Lending Act, the penalty for a first violation is now $14,435 and for subsequent violations is $28,866. These adjusted amounts apply to penalties assessed after January 15, 2025.
- Who is covered by the new amounts: cost, medium. The adjusted penalty amounts apply to civil penalties assessed after January 15, 2025, for violations that occurred on or after November 2, 2015.

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## Sources
- [2025-00167 on federalregister.gov](https://www.federalregister.gov/documents/2025/01/08/2025-00167/civil-penalty-inflation-adjustments)
- [2025-00167 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-01-08/pdf/2025-00167.pdf)

## Related
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- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2025-00167 (as of 2026-06-11).