12 CFR § 1075.109 - When payments to victims are impracticable.

---
identifier: "/us/cfr/t12/s1075.109"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 1075.109 - When payments to victims are impracticable."
title_number: 12
title_name: "Banks and Banking"
section_number: "1075.109"
section_name: "When payments to victims are impracticable."
chapter_name: "CONSUMER FINANCIAL PROTECTION BUREAU"
part_number: "1075"
part_name: "CONSUMER FINANCIAL CIVIL PENALTY FUND RULE"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "12 U.S.C. 5512(b)(1), 5497(d)."
regulatory_source: "78 FR 26501, May 7, 2013, unless otherwise noted."
cfr_part: "1075"
---


# 1075.109 When payments to victims are impracticable.

(a) *Individual payments.* Making a payment to an individual victim will be deemed impracticable if:

(1) The payment to the victim would be of such a small amount that the victim would not be likely to redeem the payment;

(2) The payment to the victim is too small to justify the cost of locating the victim and making the payment;

(3) The victim cannot be located with effort that is reasonable in light of the amount of the payment;

(4) The victim does not timely submit information that a distribution plan requires to be submitted before a payment will be made;

(5) The victim does not redeem the payment within a reasonable time; or

(6) The Fund Administrator determines that other circumstances make it unreasonable to make a payment to the victim.

(b) *Payments to a class of victims.* Making payments to a class of victims will be deemed impracticable if:

(1) The expected aggregate actual payment to the class of victims is too small to justify the costs of locating the victims in the class and making payments to them;

(2) It would be impracticable under paragraph (a) of this section to make a payment to any victim in the class; or

(3) The Fund Administrator determines that other circumstances make it unreasonable to make payments to the class.