由于资金削减,人员减少以及拟向司法部转移,CFPB将在2026年关闭,引发了关于其在消费者保护方面的作用的争论. The CFPB faces shutdown in 2026 due to funding cuts, staff reductions, and a proposed transfer to the Justice Department, sparking debate over its role in consumer protection.

保护消费者免受不公平金融做法侵害的消费者金融保护局(CFPB)成立于2010年,在特朗普总统第二任政府执政期间,由于资金严重削减、计划削减高达90%的员工以及将职责移交给司法部,该局面临可能关闭。 The Consumer Financial Protection Bureau (CFPB), created in 2010 to protect consumers from unfair financial practices, is facing potential shutdown under President Trump’s second administration due to severe funding cuts, planned staff reductions of up to 90%, and a move to transfer its duties to the Justice Department. 该机构已经停止执法行动和调查,它警告说,它可能在2026年初耗尽资金。 The agency, which has halted enforcement actions and investigations, warns it may run out of money in early 2026. 批评者称之为政治工具, 而支持者,包括参议员伊丽莎白·沃伦(Elizabeth Warren)以及田纳西州教师比安卡·琼斯(Bianca Jones)等受影响消费者, 都认为这对金融机构问责及纠正改变人生的信用错误至关重要。 Critics call it a political tool, while supporters, including Senator Elizabeth Warren and affected consumers like Tennessee teacher Bianca Jones, say it is vital for holding financial institutions accountable and correcting life-altering credit errors. 随着私营部门筹资和伙伴关系委员会的未来仍然不确定,关于供资资格和法律挑战的争端继续存在。 Disputes over funding eligibility and legal challenges continue as the CFPB’s future remains uncertain.