I found this paragraph quite interesting:

"The eBay SEC filing reveals little about CFPB's civil investigation. But the filing does mention a class-action lawsuit that alleges the company has been evading state consumer-protection laws by "renting" a bank charter to extend credit through the Bill Me Later service. The lawsuit, initially filed in California and moved to a Utah court, outlined examples of consumers who were charged rates ranging from 41 percent to 115 percent through the service. "