The CFPB intends to bring an enforcement action against Equifax over the massive data breach in 2017 that exposed personal information of more than 140 million people, according to a new filing with the Securities and Exchange Commission.

The CFPB and Florida regulators last week asked a federal court to merge their lawsuits against mortgage servicer Ocwen Financial Corp. in order to avoid the risk of future jury inconsistency and to reduce their respective burden.

Almost two dozen Democratic state attorneys general have opposed the CFPB’s proposal to encourage industrywide innovation under the cover of regulatory sandboxes. In a comment letter sent to CFPB Director Kathy Kraninger, the AGs said the proposal is “ill-considered.”

The CFPB has entered into a settlement with a group of offshore payday lenders who allegedly engaged in deceptive and unfair marketing and billing activities.

State authorities will focus their enforcement actions this year on tackling redlining and unfair, deceptive and abusive acts or practices in order to fill the enforcement gap created at the federal level, industry attorneys predicted.

The CFPB last week fined a broker $1 for bilking veterans out of their pensions. It is the third enforcement action this month by the consumer watchdog, now led by Director Kathy Kraninger.

Sterling Jewelers will pay $11 million in penalties to settle claims that it opened credit accounts without consumer consent.

The CFPB has ordered USAA Federal Savings Bank to pay $15.5 million in restitution and fines to settle claims it neglected consumers’ stop payment requests and reopened accounts without consent. The consent order is the first one under the leadership of Director Kathy Kraninger.

In a New Year’s message, Director Kathy Kraninger said the CFPB will “vigorously enforce the law” and encourage market innovation.

The U.S. Department of Justice in December filed a brief with the U.S. Supreme Court arguing that the CFPB’s leadership structure is unconstitutional.