Predatory Lending
Conduct Screen Corporate Misconduct
Companies whose core business or significant revenue line involves extending credit on exploitative terms — payday lenders, title lenders, high-interest installment lenders, and financial institutions with documented patterns of predatory lending to vulnerable populations. The test is the lending terms and targeting, not simply being a lender. Distinct from financial_misconduct (which covers broader consumer financial harm).
8 companies currently excluded under this screen
Excluded Companies (8 total)
Showing 8 of 8 companies excluded under this screen.
| Ticker | Company | Reason |
|---|---|---|
| AXP | AMERICAN EXPRESS CO | In 2012, the CFPB ordered American Express to pay $27.5 million in refunds to consumers for illegal credit card practices including deceptive marketing and age discrimination in granting credit. |
| COF | Capital One Financial | CFPB suit (Jan 2025): cheated consumers out of $2B+ in interest by freezing 360 Savings rates while hiding higher-yield product. Dismissed by Vought admin — conduct documented. ACL ratio >4% confirms ... |
| ECPG | Encore Capital Group Inc | CFPB $15M penalty (2020) for violating 2015 consent order: sued consumers without documentation, collected time-barred debt without disclosures in 750K+ cases. |
| MET | METLIFE INC | MetLife Home Loans LLC agreed to pay $123.5 million to resolve allegations that MetLife Bank NA violated the False Claims Act by originating and underwriting mortgage loans that failed to meet Federal... |
| MTB | M&T BANK CORP | Judith Cunningham and other homeowners alleged that M&T Bank Corp was involved in a predatory lending scheme in violation of federal law, as documented in the Third Circuit case. |
| NAVI | NAVIENT CORP | Navient agreed to pay $97 million in 2017 to resolve allegations of improper student loan servicing practices, including misleading borrowers about repayment options. |
| PRAA | PRA Group Inc | CFPB repeat enforcement (2015 + 2023): collected unsubstantiated debts, sued consumers on time-barred debts, ignored 2015 consent order. $24.18M in penalties and redress (2023). |
| ZION | Zions Bancorp | In a March 2026 investor presentation, Zions leadership confirmed a high appetite for growing its oil and gas portfolio. The bank currently holds approximately $4 billion in commitments and $2 billion... |
The Naughty List
A digest of changes to our exclusion list — new additions, removals, and the evidence behind them. We review the list continuously as new evidence surfaces.
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