In September 2015, both Encore and Portfolio Recovery Associates were charged with violating the Fair Debt Collection Practices Act (FDCPA), the Dodd–Frank Wall Street Reform and Consumer Protection Act by filing "lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves." U.S. federal regulators—Consumer Financial Protection Bureau imposed an enforcement action on Encore for pressuring borrowers "to pay with false statements, with lawsuits and with the use of using so-called robo-signed court documents," that was also used in mortgage processing in the subprime market. According to "The New York Times", Encore must pay "$42 million in consumer refunds and a $10 million penalty" and an injunction to "stop collections on debts totaling more than $125 million."