The Consumer Financial Protection Bureau (CFPB) has fined Goldman Sachs and Apple a total of $89 million for violations in their Apple Card partnership. Goldman Sachs faces a $45 million penalty and is required to pay $19.8 million in customer refunds, while Apple is fined $25 million. The CFPB cited wrongful charges, mishandled disputes, and misleading information about interest-free payment plans as key issues affecting hundreds of thousands of users. Additionally, Goldman has been temporarily restricted from issuing new credit cards until a compliance plan is established. This action follows a pattern of challenges in Goldman's consumer lending efforts, including a recent termination of a credit card partnership with General Motors. The enforcement highlights significant customer service failures and misrepresentations since the Apple Card's launch in 2019.