AWACSMortgage compliance intelligence from Flightline

Enforcement

Actions by federal and state regulators against mortgage lenders, servicers and their counterparties, with a link to each order.

Violation types are classified by AWACS keyword rules, not stated by the agency. UDAAP is over-assigned, so treat the split as approximate.

Actions by agency and category · last 24 months

574 actions since October 2024; the OCC and the FDIC account for 307 of them

Categories come from an automated classifier, and UDAAP may be over-assigned: it is the category on 434 of these 574 actions. Treat the category split as approximate.

UDAAPOriginationBSA/AMLSafety andsoundnessFairlendingTRID/RESPAData andprivacyOtherTotalOCCOCC, UDAAP: 128 actions128OCC, Origination: 0 actions–OCC, BSA/AML: 14 actions14OCC, Safety and soundness: 9 actions9OCC, Fair lending: 0 actions–OCC, TRID/RESPA: 4 actions4OCC, Data and privacy: 0 actions–OCC, Other: 0 actions–155FDICFDIC, UDAAP: 152 actions152FDIC, Origination: 0 actions–FDIC, BSA/AML: 0 actions–FDIC, Safety and soundness: 0 actions–FDIC, Fair lending: 0 actions–FDIC, TRID/RESPA: 0 actions–FDIC, Data and privacy: 0 actions–FDIC, Other: 0 actions–152FHFAFHFA, UDAAP: 0 actions–FHFA, Origination: 90 actions90FHFA, BSA/AML: 0 actions–FHFA, Safety and soundness: 0 actions–FHFA, Fair lending: 0 actions–FHFA, TRID/RESPA: 0 actions–FHFA, Data and privacy: 0 actions–FHFA, Other: 0 actions–90FEDFED, UDAAP: 86 actions86FED, Origination: 0 actions–FED, BSA/AML: 0 actions–FED, Safety and soundness: 0 actions–FED, Fair lending: 1 action1FED, TRID/RESPA: 0 actions–FED, Data and privacy: 0 actions–FED, Other: 0 actions–87NCUANCUA, UDAAP: 51 actions51NCUA, Origination: 0 actions–NCUA, BSA/AML: 0 actions–NCUA, Safety and soundness: 0 actions–NCUA, Fair lending: 0 actions–NCUA, TRID/RESPA: 0 actions–NCUA, Data and privacy: 0 actions–NCUA, Other: 0 actions–51CFPBCFPB, UDAAP: 14 actions14CFPB, Origination: 3 actions3CFPB, BSA/AML: 0 actions–CFPB, Safety and soundness: 0 actions–CFPB, Fair lending: 0 actions–CFPB, TRID/RESPA: 0 actions–CFPB, Data and privacy: 3 actions3CFPB, Other: 2 actions222HUDHUD, UDAAP: 3 actions3HUD, Origination: 0 actions–HUD, BSA/AML: 0 actions–HUD, Safety and soundness: 0 actions–HUD, Fair lending: 7 actions7HUD, TRID/RESPA: 0 actions–HUD, Data and privacy: 0 actions–HUD, Other: 0 actions–10FinCENFinCEN, UDAAP: 0 actions–FinCEN, Origination: 0 actions–FinCEN, BSA/AML: 7 actions7FinCEN, Safety and soundness: 0 actions–FinCEN, Fair lending: 0 actions–FinCEN, TRID/RESPA: 0 actions–FinCEN, Data and privacy: 0 actions–FinCEN, Other: 0 actions–7Total434932198432574
Table view
Actions by agency and category · last 24 months
agencyUDAAPOriginationBSA/AMLSafety & SoundnessFair LendingTRID/RESPAData/PrivacyOthertotal
OCC12801490400155
FDIC1520000000152
FHFA09000000090
FED86000100087
NCUA51000000051
CFPB14300003222
HUD3000700010
FinCEN007000007
Total434932198432574
Source: Enforcement records from OCC, FDIC, FHFA, Federal Reserve, NCUA, CFPB, HUD and FinCEN. Actions through Oct 15, 2026.Method for Actions by agency and category · last 24 months

Actions per month

About 19 actions a month over the past year

The busiest month was January 2025, with 76. October 2026 is month to date.

020406080100October 2024: 40 actionsNovember 2024: 30 actionsDecember 2024: 39 actionsJanuary 2025: 76 actionsJan ’25February 2025: 6 actionsMarch 2025: 16 actionsApril 2025: 29 actionsMay 2025: 19 actionsJune 2025: 19 actionsJuly 2025: 19 actionsAugust 2025: 19 actionsSeptember 2025: 21 actionsOctober 2025: 22 actionsNovember 2025: 11 actionsDecember 2025: 21 actionsJanuary 2026: 17 actionsJan ’26February 2026: 17 actionsMarch 2026: 24 actionsApril 2026: 15 actionsMay 2026: 11 actionsJune 2026: 12 actionsJuly 2026: 29 actionsAugust 2026: 28 actionsSeptember 2026: 22 actionsOctober 2026 (month to date): 12 actionsOct ’2676 in Jan ’25
020406080100October 2024: 40 actionsNovember 2024: 30 actionsDecember 2024: 39 actionsJanuary 2025: 76 actionsJan ’25February 2025: 6 actionsMarch 2025: 16 actionsApril 2025: 29 actionsMay 2025: 19 actionsJune 2025: 19 actionsJuly 2025: 19 actionsAugust 2025: 19 actionsSeptember 2025: 21 actionsOctober 2025: 22 actionsNovember 2025: 11 actionsDecember 2025: 21 actionsJanuary 2026: 17 actionsJan ’26February 2026: 17 actionsMarch 2026: 24 actionsApril 2026: 15 actionsMay 2026: 11 actionsJune 2026: 12 actionsJuly 2026: 29 actionsAugust 2026: 28 actionsSeptember 2026: 22 actionsOctober 2026 (month to date): 12 actions76 in Jan ’25
Table view
Actions per month
MonthActions
Oct 202440
Nov 202430
Dec 202439
Jan 202576
Feb 20256
Mar 202516
Apr 202529
May 202519
Jun 202519
Jul 202519
Aug 202519
Sep 202521
Oct 202522
Nov 202511
Dec 202521
Jan 202617
Feb 202617
Mar 202624
Apr 202615
May 202611
Jun 202612
Jul 202629
Aug 202628
Sep 202622
Oct 2026 (to date)12
Source: Same source and scope as the matrix. Actions through Oct 15, 2026.Method for Actions per month

Actions

43 actions

Week of December 22, 2025

CSBS, Press Release · States Sanction Mortgage Loan Originator for SAFE Act Violation,

States Sanction Mortgage Loan Originator for SAFE Act Violation

$31,000 Total fines$7,000 Fine to each of Colorado and Florida

21 state financial regulatory agencies settled with a mortgage loan originator accused of having another person take required education on his behalf.

Week of December 8, 2025

FHFA, Suspension Order · EA-30587,

Apex Title Agency Incorporated

Suspended from doing business with Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (Haines City, Florida) — Indefinite suspension under the FHFA Suspended Counterparty Program.

Week of September 29, 2025

FHFA, Suspension Order · EA-30576,

Integra Affordable Management LLC

Suspended from doing business with Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (Chicago, Illinois) — Indefinite suspension under the FHFA Suspended Counterparty Program.

FHFA, Suspension Order · EA-30577,

Apex Equity Group LLC

Suspended from doing business with Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (Newark, New Jersey) — Indefinite suspension under the FHFA Suspended Counterparty Program.

FHFA, Suspension Order · EA-30580,

Rhodium Capital Advisors LLC

Suspended from doing business with Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (New York, New York) — Indefinite suspension under the FHFA Suspended Counterparty Program.

Week of August 11, 2025

Week of July 7, 2025

Week of January 27, 2025

OCC, Enforcement actions (individuals) · EA-INDIVIDUALS-2025-01-29,

OCC: 2 enforcement actions against individuals

OCC took 2 enforcement actions against individuals on January 29, 2025: Cease and Desist (1), Prohibition/Removal Order (1).

Week of January 13, 2025

CFPB, Consent Order · EA-1256,

Draper & Kramer Mortgage Corporation

On January 17, 2025, the Bureau filed a complaint and proposed consent order to resolve allegations against Draper & Kramer Mortgage Corporation (Draper), a non-depository mortgage lender based in Downers Grove, Illinois.

Week of January 6, 2025

CSBS, Press Release · State Regulators Levy $20 Million Penalty on Nation’s Largest Nonbank Mortgage Servicing Company,

State Regulators Levy $20 Million Penalty on Bayview Companies for Cybersecurity Deficiencies

$20 million Civil monetary penalty

Fifty-three state financial regulatory agencies took coordinated enforcement action against Bayview Asset Management LLC and three affiliates, imposing a $20 million fine for deficient cybersecurity practices and incomplete cooperation with regulators after a data breach affecting 5.8 million customers.

Week of December 16, 2024

OCC, Enforcement actions (individuals) · EA-INDIVIDUALS-2024-12-20,

OCC: 2 enforcement actions against individuals

OCC took 2 enforcement actions against individuals on December 20, 2024: Cease and Desist (1), Prohibition/Removal Order (1).

Week of October 21, 2024

OCC, Cease and Desist · EA-30832,

Bank of Brenham, National Association

Cease and Desist against Bank of Brenham, National Association — Brenham, TEXAS — Docket AA-SO-2023-56 — Subject matter: Affiliate Transactions (incl.

OCC, Cease and Desist · EA-31136,

The First National Bank of Bellville

Cease and Desist against The First National Bank of Bellville — Bellville, TEXAS — Docket AA-SO-2023-57 — Subject matter: Affiliate Transactions (incl.

Week of October 14, 2024

CFPB, Consent Order · EA-1273,

Fairway Independent Mortgage Corporation

On October 15, 2024, the Bureau, together with the United States Department of Justice, filed a complaint and proposed consent order to resolve their allegations against Fairway Independent Mortgage Corporation.

Method

How each figure is computed. Every chart is rebuilt from its source on each release.

Actions by agency and category · last 24 months
Accepted federal enforcement actions against lenders and servicers dated from Oct 1, 2024, counted once each by agency and by the single category the AWACS classifier assigned. The 7 most frequent categories have their own column; the rest, and actions with no category, are under Other. Row and column totals both add up to the grand total. Source: Enforcement records from OCC, FDIC, FHFA, Federal Reserve, NCUA, CFPB, HUD and FinCEN. Actions through Oct 15, 2026.
Actions per month
The same actions as the matrix, counted by the month of the action date. "About N a month" is the median of the last 12 complete months. The current month is drawn lighter because it is not over. Source: Same source and scope as the matrix. Actions through Oct 15, 2026.