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Violation Tracker Current Parent Company Summary
Current Parent Company Name: Encore Capital Group
Ownership Structure: publicly traded (ticker symbol ECPG)
Headquartered in: California
Major Industry: financial services
Specific Industry: debt recovery
Penalty total since 2000: $103,842,181
Number of records: 15
| Top 5 Offense Groups (Groups Defined) | Penalty Total | Number of Records |
| consumer-protection-related offenses | $103,815,308 | 12 |
| employment-related offenses | $26,873 | 3 |
| Top 5 Primary Offense Types | Penalty Total | Number of Records |
| consumer protection violation | $103,815,308 | 12 |
| benefit plan administrator violation | $10,001 | 1 |
| wage and hour violation | $9,422 | 1 |
| Family and Medical Leave Act | $7,450 | 1 |
Notes: Parent-subsidiary linkages are based on relationships current as of the latest revision listed in the
Update Log, which may vary from what was the case when a violation occurred. The penalty totals are adjusted to account for the fact that the individual entries below may include both agency records and settlement announcements for the same case; or else a penalty covering multiple locations may be listed in the individual records for each of the facilities. The totals are also adjusted to reflect cases in which federal and state or local agencies cooperated and issued separate announcements of the outcome. Duplicate or overlapping penalty amounts are marked with an asterisk in the list below.
Links: Subsidy Tracker data on financial assistance to this company by federal, state and local government agencies can be found
here.
Individual Penalty Records:
Click on the company or penalty amount for more information on each case.
| Company | Primary Offense Type  | Year | Agency | Penalty Amount |
| Atlantic Credit and Finance, Inc. | wage and hour violation | 2006 | WHD | $9,422 |
| Asset Acceptance, LLC | Family and Medical Leave Act | 2014 | WHD | $7,450 |
| Asset Acceptance LLC | consumer protection violation | 2012 | FTC | $2,500,000 |
| Encore Capital Group | consumer protection violation | 2015 | CFPB | $52,000,000 |
| Encore Capital Group Inc. | consumer protection violation | 2018 | MULTI-AG | $6,000,000 |
| Encore Capital Group Inc., Midland Credit Management, Inc. and Midland Funding LLC | consumer protection violation | 2009 | MD-AG | $998,000 |
| Encore Capital Group, Inc. | consumer protection violation | 2015 | NY-AG | $675,000 |
| Midland Credit Management, Inc. | consumer protection violation | 2005 | WV-AG | $3,500,000 |
| Midland Funding, LLC | consumer protection violation | 2012 | MN-AG | $500,000 |
| Midland Credit Management, Inc. | consumer protection violation | 2012 | AZ-DIFI | $750,000 |
| Encore Capital Group, Inc. | consumer protection violation | 2020 | CFPB | $15,079,308 |
| Encore Capital Group, Inc. et al. | consumer protection violation | 2022 | MA-AG | $12,000,000 |
| Midland Funding LLC | consumer protection violation | 2019 | private lawsuit-federal | $9,805,000 |
| Asset Acceptance, LLC | consumer protection violation | 2013 | NC-INS | $8,000 |
| Midland Credit Management, Inc. | benefit plan administrator violation | 2023 | EBSA | $10,001 |
