Frequently asked questions

  1. What is the lawsuit about?

    The Consumer Financial Protection Bureau, also known as the CFPB, is a government agency responsible for enforcing laws that protect consumers. In July of 2014, the CFPB sued the Siringoringo Law Firm, Stephen Siringoringo, and others because they illegally charged upfront fees for mortgage-relief services, such as home-loan modifications. A court found that the Siringoringo Law Firm and Stephen Siringoringo violated Regulation O, formerly known as the Mortgage Assistance Relief Services (MARS) Rule.

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  2. How do I receive a refund? / Will I be able to get more money from this case beyond the refund check I received?

    Eligible consumers include all consumers who paid the Siringoringo Law Firm fees from July 22, 2011 through July 26, 2013.

    If you believe you are eligible for a refund (or an additional refund beyond the check you received), you have the option to file a claim worksheet. You will need to provide a list of all fees paid to the Siringoringo Law Firm (including amount, date of payment, and description of fee if known), and provide proof of all your payments, such as credit card or bank statements or copies of canceled checks.

    Receiving a refund from the CFPB does not prevent you from pursuing other legal claims, if any, against any individual or entity named in the CFPB’s lawsuit. While Epiq nor CFPB can give you individual legal advice, you can speak with an attorney who can provide legal advice specific to your situation.

    In order to file a claim worksheet, you can do so on this website here, or download a copy of the claim worksheet and return it to Epiq via U.S. mail to the address below, or you can call 1-855-963-0389 to request a form be mailed to you.

    CFPB v. Siringoringo
    Civil Penalty Fund Third-Party Administrator
    P.O. Box 3747
    Portland, OR 97208-3747

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  3. How do I find out more about this case?

    Some additional information, including the final court order, is available on the Documents page of this website, or by visiting the CFPB website at, and clicking on the link that says, “Siringoringo.”

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  4. Who is the CFPB?

    The CFPB stands for the Consumer Financial Protection Bureau. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 established the CFPB.

    Congress established the CFPB to protect consumers by carrying out federal consumer financial laws. Among other things, the CFPB:

    • Writes rules, supervises companies, and enforces federal consumer financial protection laws;
    • Restricts unfair, deceptive, or abusive acts or practices;
    • Takes consumer complaints;
    • Promotes financial education;
    • Researches consumer behavior;
    • Monitors financial markets for new risks to consumers; and
    • Enforces laws that outlaw discrimination and other unfair treatment in consumer finance.

    To learn more, visit

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  5. Who is Epiq?

    Epiq Class Action & Claims Solutions is a Third Party Administrator that CFPB has contracted with to answer questions regarding this case, and to administer this website.

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  6. Is this a scam? How do I verify that this is legitimate?

    No, this is not a scam. If you wish, you can verify that Epiq is contracted with CFPB by calling CFPB directly at 1-855-411-2372, or visiting their website:, and clicking on the link that says, “Siringoringo.”

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  7. What is the Privacy Act Statement?

    The information requested is being collected to determine your eligibility for a Civil Penalty Fund or redress payment from the Consumer Financial Protection Bureau (CFPB) to compensate you for harm suffered from a violation of Federal consumer financial law that was the subject of a Bureau enforcement action.

    Identifying information collected may be used by and disclosed to employees, contractors, agents, and others authorized by the CFPB to receive this information to assist in related activities. It may also be disclosed:

    • To a court, magistrate, or administrative tribunal in the course of a proceeding;
    • For enforcement, statutory, and regulatory purposes;
    • To another federal or state agency or regulatory authority;
    • To a member of Congress; to the Department of Justice, a court, an adjudicative body or administrative tribunal, or a party in litigation; and
    • Pursuant to the CFPB’s published Privacy Act system of records notice, CFPB.025 – Civil Penalty Fund and Bureau-Administered Redress Program Records.

    The collection of this information is authorized by Pub. L. 111-203, Title X, Sections 1017(d) (Civil Penalty Fund) and/or 1055(a) (Redress), codified at 12 U.S.C. §§ 5497(d), 5565(a).

    You are not required to submit or provide any identifying information; however, not doing so may delay processing or be a basis for rejection of your claim.

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  8. If I receive a check with instructions to pay a fee or to provide additional personal information, what should I do?

    The Consumer Financial Protection Bureau, or CFPB, never requires consumers to pay money up front or provide additional information before consumers can cash refund checks that CFPB has issued.

    If anyone claims that they can get you a refund but asks you for money, it could be a scam. Please contact CFPB right away if this happens to you or if you have other questions about this matter.

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  9. Where can I send information?

    You may contact Epiq in writing at:

    CFPB v. Siringoringo
    Civil Penalty Fund Third-Party Administrator
    P.O. Box 3747
    Portland, OR 97208-3747

    Do not send any information to CFPB.

    Please note that information you submit is treated in accordance with the Privacy Act. You can view the Privacy Act in FAQ 7.

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