The online payment company reportedly enrolled customers in its credit service without their knowledge and even hit some with fees when a missed payment was its own website’s fault, according to government accusations that signal the Obama administration expects Web businesses to gain more user consent.

The financial flap also highlights the potential for companies to take advantage of online consumers, who often swipe through or skip over user agreements and terms and conditions in their hurry to access a game or service.

“We are so used to clicking through a notification online that we might not notice the details,” says Gil Luria, a managing director for research with WedBush Securities.

The Consumer Financial Protection Bureau this week requested that PayPal refund $15 million to affected customers and pay $10 million in fines – a proposal that will be decided upon by a federal judge in Maryland.

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