The Federal Trade Commission on Monday unanimously supported a settlement with SoFi resolving allegations that the finance company exaggerated how much borrowers could save by refinancing their student loans through its services. But for at least one FTC member, Commissioner Rohit Chopra, something was missing: A fine.

The FTC has limited power to exact fines. It is often only when a company violates the terms of an earlier settlement that the FTC has the authority to come back and assess a civil penalty. Chopra, a former student loan ombudsman at the Consumer Financial Protection Bureau, issued a statement with Monday’s settlement calling for the FTC to collaborate with his former agency and state attorneys general to effectively piggyback on their authority to seek monetary penalties.