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# CFPB Terminates 2022 Consent Order Against US Regions Bank After Penalty and Redress Payments
- URL: https://www.theglobalbanker.com/cfpb-terminates-2022-consent-order-regions-bank-full-compliance/
- Published: 2025-07-22T05:00:00.000Z
- Updated: 2026-11-05T14:22:52.000Z
- Description: The CFPB has terminated its 2022 consent order against Regions Bank after the lender paid a $50 million penalty and refunded at least $141 million to customers for illegal surprise overdraft fees.
- Author: TGB Editorial Team
- Tags: Regulations, Americas, #archive

The Consumer Financial Protection Bureau has terminated its consent order against Regions Bank, the Birmingham, Alabama-based regional lender, noting that the bank had fulfilled certain obligations under a 2022 enforcement action related to illegal surprise overdraft fees, including paying the penalty and making redress payments. The termination, which took effect on 21 July 2025, waives any remaining obligations and alleged non-compliance; the CFPB originally issued the consent order on 28 September 2022.

The 2022 consent order required Regions Bank to refund at least $141 million to customers who had been charged surprise overdraft fees and to pay a $50 million civil money penalty to the CFPB's victims relief fund. The CFPB said Regions had paid the $50 million penalty and issued payments to consumers under the order's redress plan; in terminating the order, the bureau also waived any alleged non-compliance with it.

#### THE NATURE OF THE OVERDRAFT FEE VIOLATION

The CFPB's original enforcement action found that Regions Bank charged customers overdraft fees on transactions that appeared to have sufficient funds available when those transactions were initiated, a practice the bureau found to be unfair and abusive. The bank levied these charges on transactions that ultimately cleared despite customers having what appeared to be covered account balances at the point of initiation.

The practice ran from August 2018 through July 2021\. 

Regions Bank, headquartered in Birmingham, Alabama, operates with approximately $160 billion in assets. 

#### ORDER TERMINATED

The CFPB's termination order states that Regions paid the $50 million civil penalty and issued payments to consumers under the order's redress plan. 

The order had no expiration date; the bureau ended it under its statutory power to terminate orders (12 U.S.C. 5563(b)(3)) and waived any alleged non-compliance.