SEC Penalty Estimator
Estimate SEC civil penalties by tier using worksheet reference amounts. Calculate Tier I, II, and III scenarios including disgorgement and prejudgment interest assumptions.
FTC Fine Calculator
Manual worksheet for FTC penalty scenarios. Enter a daily rate and assumption factors to compare exposure for unfair or deceptive business practices and consent-order breaches.
Each affected consumer or practice
Duration of non-compliance
Enter the rate you want to model
$
Used to calculate fine as % of revenue
$
Per-violation daily rate: $50,120.00 (manual worksheet assumption)
Worksheet Estimate⧉
$117,280,800.00
Severity 60.00% x Size 65.00% applied to the worksheet rate
Modeled Penalty Ceiling⧉
$300,720,000.00
100.00 violations x 60.00 days x $50,120.00
Daily Exposure (All Violations)⧉
$5,012,000.00
100.00 violations x $50,120.00/day
Per-Violation Total⧉
$3,007,200.00
60.00 days x $50,120.00/violation
Monthly Exposure⧉
$150,360,000.00
Daily all-violation rate x 30 days
Annual Exposure⧉
$1,829,380,000.00
Daily all-violation rate x 365 days
Fine as % of Revenue⧉
234.56%
Estimated fine / $50,000,000.00 revenue
Penalty Exposure Breakdown
Worksheet Estimate$117,280,800.00
Monthly Exposure$150,360,000.00
Annual Exposure$1,829,380,000.00
Modeled Ceiling$300,720,000.00
Exposure Timeline
| Time Period | Cumulative Exposure | Per Violation |
|---|---|---|
| 7 days | $35,084,000.00 | $350,840.00 |
| 30 days | $150,360,000.00 | $1,503,600.00 |
| 90 days | $451,080,000.00 | $4,510,800.00 |
| 180 days | $902,160,000.00 | $9,021,600.00 |
| 1 year(s) | $1,829,380,000.00 | $18,293,800.00 |
| 2 year(s) | $3,658,760,000.00 | $36,587,600.00 |
Notable FTC Enforcement Actions
| Company | Year | Penalty | Violation Type |
|---|---|---|---|
| Facebook/Meta | 2019 | $5,000,000,000.00 | Privacy/Deceptive |
| Equifax | 2019 | $575,000,000.00 | Data Breach |
| Epic Games (Fortnite) | 2022 | $520,000,000.00 | COPPA/Dark Patterns |
| T-Mobile | 2024 | $60,000,000.00 | CFIUS/Data Security |
| Drizly | 2022 | $14,000,000.00 | Data Security |
| BetterHelp | 2023 | $7,800,000.00 | Privacy Deception |
Adjustment Factor Reference
| Factor | Low | Moderate | High |
|---|---|---|---|
| Severity Multiplier | 25% | 60% | 100% |
| Company Scale Multiplier | 30% (Small) | 65% (Mid) | 100% (Large) |
Planning notes, formulas, and examples
About the FTC Fine Calculator
The FTC Fine Calculator is a worksheet for estimating regulatory exposure scenarios. Enter the daily rate you want to model, the number of violations, and the number of days the conduct persisted. The page does not fetch live penalty schedules or determine what a regulator or court would actually impose.
This calculator is meant for budget planning and scenario comparison. It uses simple assumption factors to show how exposure can change with scale, duration, and the rough severity of the scenario.
When This Page Helps
FTC matters can be expensive, but actual outcomes depend on the governing law and the record. This worksheet helps you compare scenarios without pretending to predict an enforcement result.
How to Use the Inputs
- Enter the number of violations or affected consumers.
- Enter the number of days the violation persisted.
- Enter the daily rate you want to model.
- View the maximum penalty estimate and exposure breakdown.
- Adjust inputs to model different violation scenarios.
Formula used
Worksheet Estimate = Daily Rate x Violations x Days of Violation
Modeled Ceiling = Daily Rate x Violations x Days of ViolationExample Calculation
Result: $300,720,000 worksheet estimate
With 100 violations continuing for 60 days at a worksheet rate of $50,120/day: 100 x 60 x $50,120 = $300,720,000 modeled exposure. This page does not predict the actual penalty a regulator or court would impose.
Tips & Best Practices
- FTC penalties are highly fact-specific, so any worksheet output should be treated as a planning estimate only.
- Consent order violations carry higher penalties than first-time compliance issues.
- The FTC can also seek consumer redress and disgorgement of ill-gotten gains.
- Proactive compliance programs may be considered when setting penalty amounts.
- FTC priorities shift - if you need a current rule, use the governing source rather than this worksheet.
- Document all marketing claims and substantiation to defend against deception allegations.
Worksheet Use
This page is designed for scenario planning, not for predicting a live FTC outcome. Use it to compare how exposure changes when the daily rate, violation count, or duration changes.
Why the Estimate Can Differ
Real FTC outcomes depend on the underlying rule, the evidence, cooperation, ability to pay, and any settlement terms. The worksheet can help with budgeting, but it should not be treated as the final legal answer.
Compliance Planning
A worksheet estimate can still help teams compare the cost of compliance work versus the cost of unresolved exposure. That comparison is useful even when the underlying legal result is uncertain.
Sources & Methodology
Last updated:
Methodology
This worksheet multiplies a user-entered rate by the number of violations and the number of days selected for the scenario. It is intentionally conservative and is meant to show how a chosen assumption set behaves, not to determine whether a live FTC matter would be charged under a particular statute, rule, or order.
Sources
- FTC Publishes Inflation-Adjusted Civil Penalty Amounts for 2025 (Federal Trade Commission) — Official FTC inflation-adjustment notice used for penalty-context planning.
- FTC Section 5 (Federal Trade Commission) — FTC overview page discussing the agency's consumer protection authority and penalty references.
- FTC Penalty Offenses Concerning Sales Practices (Federal Trade Commission) — FTC reference for penalty-offense context and consumer-protection enforcement framing.
Frequently Asked Questions
The FTC enforces unfair or deceptive practices, specific rules like the Telemarketing Sales Rule, CAN-SPAM, COPPA, and consent orders from previous FTC actions. It also enforces privacy and data security requirements. This worksheet does not determine which rule applies to a real matter.
This worksheet does not determine a live FTC rate. Enter the daily amount you want to model from the governing source, order, or internal assumption set.
The FTC itself does not impose criminal penalties, but it can refer cases to the Department of Justice for criminal prosecution. Criminal violations of FTC-enforced statutes can result in fines and imprisonment.
A consent order is a settlement agreement between the FTC and a company that requires specific compliance measures without the company admitting liability. Violating a consent order significantly increases penalty exposure.
Ability to pay can matter in real matters, but this worksheet does not model the final enforcement decision or any negotiated reduction.
Yes, companies can challenge FTC actions through administrative proceedings and federal court appeals. However, litigation is expensive and uncertain, so many companies negotiate settlements through consent agreements.
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