SCRA Enforcement Database
Every SCRA Enforcement Action Since 2011
$484 million in settlements. 149,000+ servicemembers affected. The most complete database of SCRA enforcement actions, consent decrees, and penalties ever compiled.
$484M+
Total Recovered (2011-2026)
149,000+
Servicemembers Affected
31+
Enforcement Actions
Bipartisan
24 Trump I, 27 Biden
Enforcement Actions Database
Filter by vertical, violation type, or year. Sort by settlement amount or date.
31 enforcement actions
| Company | Year | Settlement |
|---|---|---|
| NMS (5 Banks) | 2012 | $311,000,000 |
| USAA Federal Savings | 2020 | $85,000,000 |
| JPMorgan Chase | 2012 | $56,000,000 |
| TitleMax | 2023 | $15,000,000 |
| Capital One | 2012 | $12,000,000 |
| Wells Fargo Dealer Services | 2016 | $9,500,000 |
| Santander Consumer USA | 2015 | $9,350,000 |
| Saxon Mortgage (Morgan Stanley) | 2011 | $2,350,000 |
| PRG Real Estate | 2019 | $1,590,000 |
| Greystar | 2025 | $1,400,000 |
| Westlake Financial | 2017 | $985,788 |
| Ocwen/PHH Mortgage | 2019 | $750,000 |
| CarMax | 2026 | $500,000 |
| HSBC Auto Finance | 2016 | $434,500 |
| Hyundai Capital America | 2024 | $334,000 |
| United Road Towing | 2023 | $242,000 |
| Lincoln Military Housing | 2016 | $200,000 |
| Rod Robertson Enterprises | 2025 | $160,000 |
| Morningstar Properties | 2024 | $130,000 |
| New City Funding Corp | 2025 | $120,000 |
| BayPort Credit Union | 2022 | $109,443 |
| Billy Joe Goines Towing | 2023 | $96,805 |
| FPI Management | 2023 | $73,587 |
| LeRay 300 / Woodcliff | 2017 | $69,000 |
| JWB Property Management | 2025 | $64,000 |
| JAG Management Company | 2023 | $61,582 |
| Olympic Management Co. | 2025 | $56,000 |
| HESAA (NJ Student Loans) | 2021 | $50,000 |
| Greystar (WA AG) | 2025 | $50,000 |
| McGowan Realty / RedSail | 2024 | $13,226 |
| Todisco Towing | 2023 | $6,000 |
19+ more enforcement actions
Download the complete database with all 31+ cases, trend analysis, and vertical breakdowns.
What the Data Shows
Enforcement Is Bipartisan
24 enforcement actions under Trump (first term), 27 under Biden. SCRA enforcement is not a partisan issue. Any expectation that enforcement will "ease" is contradicted by the data.
Penalties Increased 44%
As of July 2025, first-offense penalties rose from $55,000 to $79,380 per violation (28 CFR 85.5). Repeat violations: $158,761. The cost of non-compliance has never been higher.
No Vertical Is Exempt
Banks, auto lenders, property managers, credit unions, military housing providers, student loan servicers, towing companies, and storage facilities have all faced enforcement. If you touch financial products or housing for servicemembers, you are in scope.
Consent Decrees Now Require Technology
Early consent decrees (2012-2015) required policy changes. Recent decrees (2023-2026) mandate DMDC verification software, automated screening, and continuous monitoring systems.
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