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Consumer Financial Whistleblower Incentives and Protection Act

This act establishes a program to reward and protect individuals who report consumer financial misconduct. Citizens can receive a portion of recovered funds if their information leads to successful enforcement actions against companies violating the law. This aims to encourage reporting of fraud and protect those who come forward.
Key points
Financial Rewards: Whistleblowers can receive between 10% and 30% of recovered funds if their information leads to penalties exceeding $1 million, with a maximum award of $5 million.
Identity Protection: Whistleblower identities are protected and only disclosed in specific circumstances, ensuring their safety.
Definition of 'Original Information': Rewards are for information not publicly known, derived from the whistleblower's independent knowledge or analysis.
No Awards for Responsible Parties: Individuals involved in the misconduct or those who provide false information are not eligible for awards.
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Status:
Expired
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Additional Information
Print number: 117_HR_5714
Sponsor: Rep. Emmer, Tom [R-MN-6]
Process start date: 2021-10-25
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

CFPB Whistleblower Incentives and Protection Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_5714.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-10-25.

What are the main provisions?

Key points include:

  • Financial Rewards: Whistleblowers can receive between 10% and 30% of recovered funds if their information leads to penalties exceeding $1 million, with a maximum award of $5 million.
  • Identity Protection: Whistleblower identities are protected and only disclosed in specific circumstances, ensuring their safety.
  • Definition of 'Original Information': Rewards are for information not publicly known, derived from the whistleblower's independent knowledge or analysis.
  • No Awards for Responsible Parties: Individuals involved in the misconduct or those who provide false information are not eligible for awards.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Emmer, Tom [R-MN-6].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Courts and Law Economy