In its annual report, the bureau highlights recent enforcement actions.

The bureau will be adding up to 20 new employees, most of them attorneys, as it prepares to take aim at larger firms and recidivism.

Attorneys believe the bureau categorizing some enforcement cases as fair lending-related, even without violations of the Equal Credit Opportunity Act, suggests a shift in its approach on the issue.

The advice from attorneys at the law firm Venable centered around understanding enforcement entities’ motivations and circumstances for bringing the claims.

The bureau is invoking its largely unused authority to examine nonbanks when it believes they are engaging in risky conduct that could harm consumers.

The megabank is also required to refund at least $592,000 in garnishment-related fees to harmed consumers, reform its system for processing garnishments and update language in contracts with consumers.

The charges against MoneyGram, a remittance provider, include failure to deliver funds promptly to recipients abroad.

The bank had refused to approve a couple’s mortgage application until the wife returned from maternity leave, HUD said in its complaint.

The bureau said the credit reporting agency used digital tricks to manipulate people to sign up for fee-based subscriptions.

The CFPB plans to launch dedicated units within its supervision and enforcement division to enhance detection of repeat offenders and to better hold them accountable.