On September 11, TD Bank, the nation’s 10th largest commercial bank with 1,200 branches and 2,600 ATMs in 15 states and the District of Columbia was ordered for the second time by CFPB to pay restitution to thousands of consumers for illegally tarnishing credit reports of tens of thousands consumers. It repeatedly provided consumer credit bureaus with inaccurate information on its customers about personal bankruptcies and credit card delinquencies. It also failed to properly investigate and resolve customer disputes linked to the faulty information. Given the widespread use of credit reports, the bank’s actions threatened customers’ ability to get a loan, job, or housing.