The authors consider the next three years of consumer financial protection.
When President Trump fired Consumer Financial Protection Bureau (CFPB) Director Rohit Chopra in February 2025, the Bureau entered a new phase that many expected would be characterized by inactivity or potentially even deregulation. In the immediate aftermath, even as Acting Director Russ Vought took the helm, the legacy of former Director Chopra and the Biden-era CFPB remained in the form of dozens of ongoing enforcement actions and consent orders under agency supervision.
After six months, Vought is still the acting director, and many of these legacy actions have been unwound. However, the CFPB is still prosecuting some cases, and others have carried on through state and/or private litigations. In this article, coauthors Jennifer McCabe, Lindsay Schick, Spencer Pigg, and Yaxuan Wen investigate the status of the enforcement actions and consent orders inherited by Acting Director Vought and consider what they suggest about the next six months (and three years) of consumer financial protection during the Trump administration.
This article was originally published by Westlaw in September 2025.
Washington 
