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Consumer Financial Protection Whistleblower Prevails at DOL


On February 6, 2019, the U.S. Department of Labor ordered Hermitage Club Realty LLC (Hermitage), a real estate company based in Vermont, to provide relief to a former employee who was fired for blowing the whistle on what he reasonably believed were illegal real estate referral fees.

OSHA investigated the whistleblower’s CFPA retaliation complaint and found reasonable cause to believe that Hermitage fired him in retaliation for his CFPA protected whistleblowing.  The CFPA protects disclosures made to an employer, to the Consumer Financial Protection Bureau or any State, local, or Federal, government authority or law enforcement agency concerning any act or omission that the employee reasonably believes to be a violation of any CFPB regulation or any other consumer financial protection law that the Bureau enforces. This includes several federal laws regulating “unfair, deceptive, or abusive practices . . . related to the provision of consumer financial products or services.”

The Real Estate Settlements and Procedures Act (RESPA) prohibits the payment of a referral fee or kickback in exchange for a referral incident to or part of a settlement service involving a federally-related mortgage loan.  Accordingly, disclosures concerning RESPA-prohibited referral fees are protected under the CFPA.

Where OSHA has reasonable cause to believe that a CFPA retaliation complaint has merit, OSHA can order the employer to reinstate the employee and pay back pay (lost wages) with interest, compensatory damages, and attorney fees.  Hermitage was ordered to pay the whistleblower $22,693 in back pay and bonuses with interest, and $20,000 in compensatory damages.  In addition, OSHA ordered Hermitage to 1) expunge from the whistleblowers’ personnel file any references to his exercising his CFPA rights; 2) not retaliate or discriminate against the complainant; and 3) post a notice of OSHA’s findings in a conspicuous place in or about its facility.

Under the regulations implementing the CFPA whistleblower protection law, Hermitage can appeal OSHA’s order by requesting a hearing before a DOL Administrative Law Judge.

Consumer Financial Protection Whistleblower Lawyers

Leading whistleblower firm Zuckerman Law represents whistleblowers nationwide.  If you are seeking representation in a whistleblower retaliation case, click here, or call our whistleblower retaliation lawyers at 202-262-8959 to schedule a confidential consultation. In 2019, the National Law Review awarded Jason Zuckerman its “Go-To Thought Leadership Award” for his analysis of developments in whistleblower law.  We represent whistleblowers nationwide.

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Consumer Financial Protection Act Whistleblower Retaliation Damages


Jason Zuckerman, Principal of Zuckerman Law, litigates whistleblower retaliation, qui tam, wrongful discharge, and other employment-related claims. He is rated 10 out of 10 by Avvo, was recognized by Washingtonian magazine as a “Top Whistleblower Lawyer” in 2015 and selected by his peers to be included in The Best Lawyers in America® and in SuperLawyers.

Dallas Hammer represents employees in whistleblower, discrimination, and other employment-related litigation, including representing corporate whistleblowers in claims under the whistleblower protection provisions of the Sarbanes-Oxley Act and Dodd-Frank Act; representing federal employees in adverse action appeals at the Merit Systems Protection Board and claims under the Whistleblower Protection Act, including individual right of action appeals; negotiating severance, separation, and employment agreements; and representing employees in discrimination and retaliation actions, including sexual harassment claims under Title VII of the Civil Rights Act and disability discrimination claims under the Americans with Disabilities Act Amendments Act of 2008.