13 State AGs Sue OneMain Financial Over Loan "Packing"
A bipartisan coalition of 13 state attorneys general sued installment lender OneMain Financial on March 16, 2026, alleging it loaded loans with expensive optional products that borrowers never knowingly agreed to buy.
Key takeaways
- Thirteen states, led by New Jersey, filed the complaint over alleged loan "packing."
- OneMain is accused of adding credit insurance and roadside-assistance memberships without genuine consent.
- The average cost was about $826 per borrower in New Jersey, with $27 million in add-ons sold there in 2021–2022.
- It is the second major action in three years — the CFPB fined OneMain $20 million in 2023 for similar conduct.
What the suit alleges
The states — New Jersey, Pennsylvania, New York, Colorado, Maryland, Nevada, New Hampshire, North Dakota, Oklahoma, South Dakota, Virginia, Washington and Wisconsin — say the add-ons were embedded into loan documents to inflate costs. The complaint seeks consumer refunds, civil penalties, disgorgement of profits, an order halting the practice, and removal of related negative credit reporting.
What it means for OneMain customers
Customers who held a OneMain installment loan during the period at issue may be affected if optional products were added to their balance. The case centers on whether borrowers gave informed consent to those charges.