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.

在特朗普总统的第二个行政部门,即消费者金融保护局(CFPB),成立于2010年,目的是保护消费者免受欺骗性金融做法的侵害。 由于大量削减资金、计划削减工作人员多达90%以及将责任移交给司法部,该局可能关闭。 Under President Trump's second administration, the Consumer Financial Protection Bureau (CFPB), which was established in 2010 to shield consumers from deceptive financial practices, may be shut down as a result of significant funding cuts, planned staff reductions of up to 90%, and a move to transfer its responsibilities to the Justice Department. 该机构警告说,它在2026年初可能没有资金了,并暂停了执法行动和调查。 The agency warns that it might run out of funding in early 2026 and has suspended enforcement actions and investigations. 支持者,如参议员伊丽莎白·沃伦(Elizabeth Warren)和田纳西州教师比安卡·琼斯(Bianca Jones)等受到影响的消费者,声称必须追究金融机构的责任,确定信贷错误,从而改变人们的生活,而诋毁者则把它称为一种政治工具。 Supporters, such as Senator Elizabeth Warren and impacted consumers like Tennessee teacher Bianca Jones, claim it is essential for holding financial institutions accountable and fixing credit errors that can change people's lives, while detractors refer to it as a political tool. 私营部门筹资和伙伴关系委员会的未来仍然不确定,在供资资格和法律问题方面仍然存在分歧。 The CFPB's future is still uncertain, and disagreements over funding eligibility and legal issues persist.