Home | TCF Bank Settlement

On July 20, 2018, TCF Bank (TCF) reached a settlement with the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC) regarding TCF’s administration of its overdraft opt-in program between 2010 and 2013.

The settlement requires TCF to pay $25 million in refunds to certain customers who opted in to overdraft services between 2010 and 2013, paid overdraft fees that were not waived or refunded, and otherwise meet criteria specified in the CFPB- and OCC-reviewed refund plan.

The settlement fully resolves litigation with the CFPB and regulatory matters with the OCC related to TCF’s overdraft opt-in processes and practices. If you would like to learn more about TCF’s settlement with the CFPB and the OCC, you may review the CFPB settlement order and OCC consent order.


Settlement Update: March 8, 2019


On November 16, 2018, the CFPB and the OCC agreed TCF should begin implementing the refund plan. This plan defines how refund payments are distributed and the amounts each eligible current and former account holder are paid.

Current and former customers do not need to take any action.

All eligible current customers received a statement credit to their TCF account in December 2018.

All eligible former customers were mailed a check before February 28, 2019.

If you have questions about the settlement and distribution of refunds, please view the Frequently Asked Questions.



Previous Updates: January 4,2019 | December 5, 2018 | July 20, 2018

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TCF Bank Settlement
c/o JND Legal Administration
P.O. Box 91223
Seattle, WA 98111