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The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) establishes a "Consumer Financial Civil Penalty Fund" (Civil Penalty Fund) into which the CFPB must deposit any civil penalty it obtains against any person in any judicial or administrative action under federal consumer financial laws.  Under the Dodd-Frank Act, funds in the Civil Penalty Fund may be used for payments to the victims of activities for which civil penalties have been imposed under federal consumer financial laws.  In addition, to the extent that such victims cannot be located or such payments are otherwise not practicable, the CFPB may use funds in the Civil Penalty Fund for the purpose of consumer education and financial literacy programs.  This rule implements the relevant statutory provisions by articulating the CFPB's interpretation of what kinds of payments to victims are appropriate and by establishing procedures for allocating funds for such payments to victims and for consumer education and financial literacy programs.