On January 3, the CFPB entered into separate consent orders (2017-CFPB-0001, 2017-CFPB-0002) with two credit reporting companies and their subsidiaries regarding the companies’ representations concerning credit scores sold to consumers, as well as the companies’ credit-related product sales practices.  Under the terms of its consent order, one of the companies must pay a $2.5 million civil penalty in addition to almost $3.8 million in restitution to affected consumers. The consent order for the other company includes a $3 million civil penalty and payment of more than $13.9 million in restitution to affected consumers.