Group 1: U.S. Bank - The Consumer Financial Protection Bureau (CFPB) has terminated consent orders against U.S. Bank, ending enhanced compliance periods years ahead of schedule [1][4] - In December 2023, U.S. Bank was ordered to pay $20.7 million for freezing unemployment benefits of ReliaCard holders during the COVID-19 pandemic, which was defended as an anti-fraud measure due to a 40-fold increase in unemployment benefits [2][3] - U.S. Bank prevented fraud of over $375 million and returned hundreds of millions to states, emphasizing its commitment to state agency clients [3] - The CFPB acknowledged that U.S. Bank fulfilled obligations under the order, including paying a $15 million civil penalty and implementing measures to prevent future violations [4][5] Group 2: Apple - The CFPB terminated a consent order against Apple, which was issued in October 2024, alleging that Apple failed to send thousands of Apple Card consumer disputes to Goldman Sachs [6] - Apple received a lighter penalty compared to U.S. Bank, while the CFPB noted that Goldman Sachs failed to properly investigate the disputes it received [6]