On December 4, the CFPB fined a New Jersey-based debt-settlement service provider $69,075 in civil monetary penalties for alleged violations of the FTC’s Telemarketing Sales Rule (TSR). The CFPB alleged that the firm charged upfront fees to consumers which are prohibited for debt-settlement services. Further, the CFPB charged that the firm failed to provide debt-settlement services to consumers which harmed their credit history. In addition to the civil money penalty, the consent order requires the firm submit a compliance plan that includes (i) written policies and procedures designed to prevent violations of the TSR; (ii) training programs addressing the TSR and Federal consumer financial laws; (iii) written compliance monitoring processes; (iv) consumer complaint monitoring process; and (v) specific deadlines for when the compliance plan will be completed.