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The document is an Amended and Restated Affinity Agreement between MBNA America Bank, N.A. and St. John's University, effective December 31, 1996. It outlines the terms under which MBNA provides financial services to SJU members, including credit card programs and associated royalties. The agreement details the rights and responsibilities of both parties, including marketing efforts, confidentiality clauses, and conditions for termination. Additionally, it includes provisions for royalty payments based on account activity and adjustments to the program features. The document also addresses amendments, governing law, and the handling of customer information.

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Why would I be getting a letter from CFPB?

Sometimes the CFPB will send a warning letter to advise recipients that certain actions may violate federal consumer financial law. These are not accusations of wrongdoing. Instead, they are meant to help recipients review certain practices and ensure that they comply with federal law.

Does CFPB send out checks?

If you have received a check from the CFPB, it is because we have taken an enforcement action against a person or company for violating a consumer financial protection law, and you are eligible for compensation as a result of this violation.

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This is what I found about it: Why did I receive a check from the CFPB? If you did not submit a claim form, you received a check from us because you were identified as a harmed consumer in a case. Your information was found in the defendants records, and we used this information to send you a check in the mail.