On December 19, the CFPB entered a consent order against a Virginia-based credit services provider assessing a $200,000 penalty and other remediation for making loans with improper disclosures. It was the CFPB’s second enforcement action against the company, as the Bureau had previously taken action against the company, requiring it, among other things, to revise its contract disclosures back in 2014. Under the terms of the consent order released this week, the company must hire an independent consultant with specialized experience in consumer-finance compliance to conduct an independent review of the company’s issuance and servicing of credit, and report to the CFPB a compliance plan based on the findings of such review. The Bureau also assessed a $200,000 civil monetary penalty.