Case: Consumer Financial Protection Bureau (CFPB) v. Vanderbilt Mortgage and Finance, Inc.

3:25-cv-00004 | U.S. District Court for the Eastern District of Tennessee

Filed Date: Jan. 6, 2025

Closed Date: Feb. 27, 2025

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Case Summary

This is a case challenging a manufactured-home-financing company’s longstanding business practices. On January 6, 2025, the Consumer Financial Protection Bureau (CFPB) filed this lawsuit in the U.S. District Court for the Eastern District of Tennessee. The CFPB sued Vanderbilt Mortgage and Finance, Inc. for violations of the Truth in Lending Act (TILA) and the Consumer Financial Protection Act of 2010 (CFPA). The CFPB alleged that Vanderbilt made mortgage loans to borrowers without making a reasonable and good-faith determination that the borrowers could repay them according to their terms. The CFPB sought a permanent injunction, damages, restitution, civil money penalties, and costs against Vanderbilt. The case was assigned to District Judge Charles E. Atchley Jr.

After a change in administration, on February 25, 2025, the CFPB filed a notice of voluntary dismissal. Later that day, the case was dismissed.

Summary Authors

Alexis Gil (6/19/2026)

People

For PACER's information on parties and their attorneys, see: https://www.courtlistener.com/docket/69518080/parties/consumer-financial-protection-bureau-v-vanderbilt-mortgage-and-finance/

Attorney for Plaintiff

Cater, Meghan Sherman (Tennessee)

Attorney for Defendant

Gray, Jonice M. (Tennessee)

Jordan, S. Reeves (Tennessee)

Lester, James Conrad (Tennessee)

Mahler, Aaron (Tennessee)

Attorney for Plaintiff

Cater, Meghan Sherman (Tennessee)

Thompson, John (Tennessee)

Attorney for Defendant

Gray, Jonice M. (Tennessee)

Jordan, S. Reeves (Tennessee)

Lester, James Conrad (Tennessee)

Mahler, Aaron (Tennessee)

McConnell, Timothy B (Tennessee)

Peck, Nicolas Howard (Tennessee)

Thagard, Thomas W. (Tennessee)

Attorney Contact Information via CourtListener

Documents in the Clearinghouse

Documents in this case

1 3:25-cv-00004	Complaint	Jan. 6, 2025	Jan. 6, 2025 Complaint
17 3:25-cv-00004	Plaintiff’s Notice Of Dismissal	Feb. 27, 2025	Feb. 27, 2025 Other

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Docket

See docket on RECAP: https://www.courtlistener.com/docket/69518080/consumer-financial-protection-bureau-v-vanderbilt-mortgage-and-finance/

Last updated Aug. 31, 2026, 3:15 a.m.

Docket for: Consumer Financial Protection Bureau v. Vanderbilt Mortgage and Finance, Inc.

ECF Number	Date	Description	Link
1	Jan. 6, 2025	COMPLAINT against Vanderbilt Mortgage and Finance, Inc., filed by Consumer Financial Protection Bureau. (Attachments: # 1 Other civil cover sheet)(Cater, Meghan) (Entered: 01/06/2025) 1 Other civil cover sheet View on RECAP	Clearinghouse
2	Jan. 7, 2025	WAIVER OF SERVICE Returned Executed by Consumer Financial Protection Bureau. Vanderbilt Mortgage and Finance, Inc. waiver sent on 1/6/2025. (Cater, Meghan) (Entered: 01/07/2025)	RECAP
3	Jan. 7, 2025	Order Governing Depositions. Signed by District Judge Charles E Atchley, Jr on 01/07/2025. (JGF) (Entered: 01/07/2025)	RECAP
4	Jan. 7, 2025	Order Governing Motions To Dismiss. Signed by District Judge Charles E Atchley, Jr on 01/07/2025. (JGF) (Entered: 01/07/2025)	Clearinghouse
5	Jan. 7, 2025	Order Governing Sealing Confidential Information. Signed by District Judge Charles E Atchley, Jr on 01/07/2025. (JGF) (Entered: 01/07/2025)	RECAP
	Jan. 7, 2025	Add and Terminate Judges
	Jan. 7, 2025	District Judge Charles E Atchley, Jr and Magistrate Judge Jill E McCook added. (JGF)
6	Jan. 15, 2025	MOTION for Leave to Appear Pro Hac Vice as to James Lester (Filing fee $ 150) by Vanderbilt Mortgage and Finance, Inc. (Attachments: # 1 Other Receipt, # 2 Other Envelope) (MKM) (Entered: 01/15/2025) 1 Other Receipt View on PACER 2 Other Envelope View on PACER	RECAP
	Jan. 15, 2025	Clerk's Verification of PHV Requirements
	Jan. 15, 2025	Clerk's Verification of PHV Requirements is complete as to James Lester regarding document: 6 MOTION for Leave to Appear Pro Hac Vice (Filing fee $ 150) filed by Vanderbilt Mortgage and Finance, Inc. (MKM)
7	Jan. 17, 2025	ORDER granting 6 Motion for Leave to Appear Pro Hac Vice. You MUST register as an E-Filer here: https://pacer.psc.uscourts.gov/pscof/regWizard.jsf. Signed by Magistrate Judge Jill E. McCook on 01/17/2025. This entry constitutes the complete Order of the Court. (HSN) (Entered: 01/17/2025)	RECAP
	Jan. 17, 2025	Order on Motion for Leave to Appear Pro Hac Vice
8	Jan. 21, 2025	Administrative Notice to Counsel. Attorney John Thompson is not registered as an E-Filer. Please register as an E-Filer as soon as possible. Requirements due by 1/27/2025. (Copy of Notice mailed to John Thompson) (CAT) (Entered: 01/21/2025)	RECAP
9	Jan. 29, 2025	NOTICE of Appearance by Timothy B McConnell on behalf of Vanderbilt Mortgage and Finance, Inc. (McConnell, Timothy) (Entered: 01/29/2025)	RECAP
10	Jan. 29, 2025	Certificate of Corporate Interest by Vanderbilt Mortgage and Finance, Inc. identifying Corporate Parent Berkshire Hathaway, Inc. for Vanderbilt Mortgage and Finance, Inc.. (McConnell, Timothy) (Entered: 01/29/2025)	RECAP
11	Jan. 30, 2025	NOTICE of Deficiency (Pro Hac). Attorneys Mahler, Lester, Gray, Peck, Jordan, and Thagard are not admitted (See LR 83.5). This matter will be referred to a magistrate judge if a pro hac motion is not filed within 15 days of this Notice. (Copy of Notice mailed to attorneys Mahler, Gray, Peck, Jordan,) (CAT) (Entered: 01/30/2025)	RECAP
12	Jan. 31, 2025	MOTION for Leave to Appear Pro Hac Vice as to S. Reeves Jordan (Filing fee $ 150, receipt attached) by Vanderbilt Mortgage and Finance, Inc. (Attachments: # 1 Other Receipt, # 2 Other Envelope) (MKM) (Entered: 01/31/2025)	RECAP
13	Jan. 31, 2025	MOTION for Leave to Appear Pro Hac Vice as to Nicolas Peck (Filing fee $ 150, receipt attached) by Vanderbilt Mortgage and Finance, Inc. (Attachments: # 1 Other Receipt, # 2 Other Envelope) (MKM) (Entered: 01/31/2025)	RECAP
14	Jan. 31, 2025	MOTION for Leave to Appear Pro Hac Vice as to Jonice Gray (Filing fee $ 150, receipt attached) by Vanderbilt Mortgage and Finance, Inc. (Attachments: # 1 Other Receipt, # 2 Other Envelope) (MKM) (Entered: 01/31/2025)	RECAP
15	Jan. 31, 2025	MOTION for Leave to Appear Pro Hac Vice as to Thomas Thagard III by Vanderbilt Mortgage and Finance, Inc. (Attachments: # 1 Other Envelope) (MKM) (Entered: 01/31/2025) 1 Other Envelope View on PACER	RECAP
	Jan. 31, 2025	Clerk's Verification of PHV Requirements
	Jan. 31, 2025	Clerk's Verification of PHV Requirements is complete as to S. Reeves Jordan, Nicholas Peck, and Jonice Gray regarding documents: 12 MOTION for Leave to Appear Pro Hac Vice, 14 MOTION for Leave to Appear Pro Hac Vice, and 13 MOTION for Leave to Appear Pro Hac Vice filed by Vanderbilt Mortgage and Finance, Inc. (MKM)
	Jan. 31, 2025	Clerk's Verification of PHV Requirements is complete as to Thomas Thagard, III regarding document: 15 MOTION for Leave to Appear Pro Hac Vice filed by Vanderbilt Mortgage and Finance, Inc. (MKM)
16	Feb. 3, 2025	ORDER granting 12 Motion for Leave to Appear Pro Hac Vice. You MUST register as an E-Filer here: https://pacer.psc.uscourts.gov/pscof/regWizard.jsf; granting 13 Motion for Leave to Appear Pro Hac Vice. You MUST register as an E-Filer here: https://pacer.psc.uscourts.gov/pscof/regWizard.jsf; granting 14 Motion for Leave to Appear Pro Hac Vice. You MUST register as an E-Filer here: https://pacer.psc.uscourts.gov/pscof/regWizard.jsf; granting 15 Motion for Leave to Appear Pro Hac Vice. You MUST register as an E-Filer here: https://pacer.psc.uscourts.gov/pscof/regWizard.jsf. Signed by Magistrate Judge Jill E. McCook on 02/03/2025. This entry constitutes the complete Order of the Court. (HSN) (Entered: 02/03/2025)	RECAP
	Feb. 3, 2025	Order on Motion for Leave to Appear Pro Hac Vice AND Order on Motion for Leave to Appear Pro Hac Vice AND Order on Motion for Leave to Appear Pro Hac Vice AND Order on Motion for Leave to Appear Pro Hac Vice
	Feb. 4, 2025	Notice (Other)
	Feb. 4, 2025	Copy of Gavel Order, Doc. 16 mailed to attorneys Jordan, Peck, and Gray. (CAT)
	Feb. 7, 2025	Public Docket Annotation
	Feb. 7, 2025	Note to the Court per PHV Deficiency 11 : Attorney Mahler's admission to the D.C. District Court is expected to be effective March 3, 2025. He will file his Motion for Admission PHV as soon as possible thereafter. (MKM)
17	Feb. 27, 2025	NOTICE of Voluntary Dismissal of case 3:25-cv-00004 by Consumer Financial Protection Bureau (Cater, Meghan) (Entered: 02/27/2025)	Clearinghouse

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Case Details

State / Territory:

Tennessee

Case Type(s):

Fair Housing/Lending/Insurance

Special Collection(s):

Trump Administration 2.0: Reversing Course on Existing Litigation

Fair Lending

Key Dates

Filing Date: Jan. 6, 2025

Closing Date: Feb. 27, 2025

Case Ongoing: No

Plaintiffs

Plaintiff Description:

The plaintiff is the Consumer Financial Protection Bureau (CFPB). The Bureau is an independent agency of the United States charged with regulating the offering and provision of consumer financial products or services under the Federal consumer financial laws.

Plaintiff Type(s):

Non-DOJ federal government plaintiff

Public Interest Lawyer: No

Filed Pro Se: No

Class Action Sought: No

Class Action Outcome: Not sought

Defendants

Private Entity/Person

Vanderbilt Mortgage and Finance, Inc.

Defendant Type(s):

Bank or credit provider

Facility Type(s):

Non-government for-profit

Case Details

Other Dockets:

Eastern District of Tennessee 3:25-cv-00004

999999

Available Documents:

Complaint (any)

Trial Court Docket

Outcome

Prevailing Party: None Yet / None

Relief Sought:

Damages

Injunction

Relief Granted:

None

Source of Relief:

None

Form of Settlement:

Voluntary Dismissal

Issues

General/Misc.:

Housing

Predatory lending

Recommended Citation

Case Summary of Consumer Financial Protection Bureau (CFPB) v. Vanderbilt Mortgage and Finance, Inc., Civil Rights Litig. Clearinghouse, https://clearinghouse.net/case/48227/ (last updated 6/19/2026).