The Consumer Financial Protection Bureau $($CFPB$)$ has the authority to take action against anyone committing "abusive acts." Abusive acts are defined as

taking advantage, reasonable or not, of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service.

forcing the consumer by force or threat of force into a purchase they would not have otherwise made.

luring the customer to the store with an advertised product at a low price and then pressuring them into buying a product at a higher price.

taking unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service.