2025-00643. Notice of Inflation Adjustments for Civil Money Penalties

Maximum Civil Money Penalty Amounts

U.S. Code citation	Current maximum CMP (through January 14, 2025)	Adjusted maximum CMP 6 (beginning January 15, 2025)
12 U.S.C. 1464(v)
Tier One CMP 7	$4,899	$5,026
Tier Two CMP	48,992	50,265
Tier Three CMP 8	2,449,575	2,513,215
12 U.S.C. 1467(d)	12,249	12,567
12 U.S.C. 1817(a)
Tier One CMP 9	4,899	5,026
Tier Two CMP	48,992	50,265
Tier Three CMP 10	2,449,575	2,513,215
12 U.S.C. 1817(c)
Tier One CMP	4,480	4,596
Tier Two CMP	44,783	45,946
Tier Three CMP11	2,239,210	2,297,385
12 U.S.C. 1817(j)(16)
Tier One CMP	12,249	12,567
Tier Two CMP	61,238	62,829
Tier Three CMP 12	2,449,575	2,513,215
12 U.S.C. 1818(i)(2) 13
Tier One CMP	12,249	12,567
Tier Two CMP	61,238	62,829
Tier Three CMP 14	2,449,575	2,513,215
12 U.S.C. 1820(e)(4)	11,198	11,489
12 U.S.C. 1820(k)(6)	402,920	413,388
12 U.S.C. 1828(a)(3)	153	157
12 U.S.C. 1828(h) 15
( print page 3213)
For assessments < $10,000	153	157
12 U.S.C. 1829b(j)	25,597	26,262
12 U.S.C. 1832(c)	3,558	3,650
12 U.S.C. 1884	356	365
12 U.S.C. 1972(2)(F)
Tier One CMP	12,249	12,567
Tier Two CMP	61,238	62,829
Tier Three CMP 16	2,449,575	2,513,215
12 U.S.C. 3909(d)	3,047	3,126
15 U.S.C. 78u-2
Tier One CMP (individuals)	11,524	11,823
Tier One CMP (others)	115,231	118,225
Tier Two CMP (individuals)	115,231	118,225
Tier Two CMP (others)	576,158	591,127
Tier Three CMP (individuals)	230,464	236,451
Tier Three CMP (others)	1,152,314	1,182,251
15 U.S.C. 1639e(k)
First violation	14,069	14,435
Subsequent violations	28,135	28,866
31 U.S.C. 3802	13,946	14,308
42 U.S.C. 4012a(f)	2,661	2,730

CFR Citation	Current presumptive CMP (through January 14, 2025)	Adjusted presumptive CMP (beginning January 15, 2025)
12 CFR 308.132(e)(1)(i)
Institutions with $25 million or more in assets
1 to 15 days late	$672	$689.
16 or more days late	$1,344	$1,379.
Institutions with less than $25 million in assets
1 to 15 days late 17	$225	$231.
16 or more days late 18	$447	$459.
12 CFR 308.132(e)(1)(ii)
Institutions with $25 million or more in assets
1 to 15 days late	$1,119	$1,148.
16 or more days late	$2,238	$2,296.
Institutions with less than $25 million in assets
1 to 15 days late	1/50,000th of the institution's total assets	1/50,000th of the institution's total assets.
16 or more days late	1/25,000th of the institution's total assets	1/25,000th of the institution's total assets.
12 CFR 308.132(e)(2)	$48,992	$50,265.
12 CFR 308.132(e)(3)
Tier One CMP	$4,899	$5,026.
Tier Two CMP	$48,992	$50,265.
Tier Three CMP 19	$2,449,575	$2,513,215.