It's been a couple years since this was last asked, so I figured it was worth asking again, since the landscape has changed a bit since 2022.

Given Russell Vought's (architect of Project 2025) moves to try and dismantle the CFPB [1], and the cost vs benefit of the CFPB (they have returned ~$20 billion to the consumer at a cost of ~$700 million), what are your current opinions on the CFPB in terms of its efficacy around reclaiming funds and going after large scammers/telemarketers [2], credit agencies [3], banks [4], telemarketers [5], tech companies [6]?

1. https://www.npr.org/2025/02/08/nx-s1-5290914/russell-vought-cfpb-doge-access-musk

2. https://www.consumerfinance.gov/about-us/newsroom/cfpb-reaches-multibillion-dollar-settlement-with-credit-repair-conglomerate/

3. https://www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/

4. https://www.consumerfinance.gov/about-us/newsroom/cfpb-sues-capital-one-for-cheating-consumers-out-of-more-than-2-billion-in-interest-payments-on-savings-accounts/

5. https://www.consumerfinance.gov/about-us/newsroom/cfpb-reaches-multibillion-dollar-settlement-with-credit-repair-conglomerate/ (crypto exchanges, Meta, X).

6. A lot more News Items are still up on the CFPB website. It's unclear when they'll be taken down though.