A District Court judge in Georgia has granted a motion filed by a collection agency being sued by the Consumer Financial Protection Bureau delaying its deadline to produce documents and materials while the regulator determines whether it plans to proceed with the enforcement action in the first place.
The ruling came after the collection agency filed a motion for a 90-day stay on compliance with a judgment issued in February 2025. The motion was granted by the court, which acknowledged a shift in leadership at the CFPB, with new administration taking over the bureau and reviewing ongoing investigations to align them with its current enforcement priorities. The Bureau has decided to terminate a number of pending enforcement actions, and even undo final ones, in the wake of firing Rohit Chopra as director.
The collection agency, which had been ordered to produce certain documents and data by April 14, argued that given the changes in leadership and the ongoing review of investigations, it was an inefficient use of resources to comply with the court’s original judgment until the CFPB clarified its stance on whether it intended to continue the investigation. The agency emphasized that if the CFPB decided to terminate the investigation, complying with the judgment would be an unnecessary effort.
In its motion, the agency stressed that the delay would not cause undue harm to the CFPB, as the judgment would remain enforceable even after the 90-day period. The agency also pointed out that the CFPB had been unresponsive in recent communications, which further raised concerns over the investigation’s status.
This delay provides the CFPB time to decide whether it will move forward with its investigation, while also saving the agency from expending resources on compliance if the investigation is ultimately discontinued. It is a move that many in the credit and collection industry may see as a reasonable step when facing shifting regulatory priorities and procedural uncertainties.
