The situation you outline above is illegal under Dodd-Frank, the act that created the bureau. Those who designed the agency were worried about precisely this k

The situation you outline above is illegal under Dodd-Frank, the act that created the bureau. Those who designed the agency were worried about precisely this kind of perverse incentive structure & required that it distribute all penalties back to consumers. https://www.consumerfinance.gov/about-us/payments-harmed-consumers/civil-penalty-fund/ https://www.consumerfinance.gov/about-us/payments-harmed-con...