AMUSE: The Bureau was designed to evade Congress and the president, operating as a rogue regulator that debanked political enemies and funneled penalties to activist groups.

CFPB [Consumer Financial Protection Bureaus, 2011] exposed as illegal agency after DOJ determines it has zero lawful funding.  The Trump Administration announced the CFPB will shut down because the Federal Reserve has no profits from which to fund it, making continued withdrawals unlawful under 12 USC 5497. The Bureau was designed to evade Congress and the president, operating as a rogue regulator that debanked political enemies and funneled penalties to activist groups.  Supreme Court rulings in Seila Law and Loper Bright cemented the CFPB's fragility.

Now folks, THIS is MAGA. So very important and so beyond the stupidity of the current headlines. https://t.co/3UeXEWNopP

— Tom Luongo (Head Sneetch) (@TFL1728) November 22, 2025

DOGE: DOJ confirmed the CFPB has no legal funding stream. Trump is shutting down the unconstitutional Obama era agency that acted as a fourth branch of government. Vought says enough is enough. Created in the panic of 2008, the CFPB was built to bypass Congress’s power of the purse and shield itself from presidential oversight. DOJ now says the Fed has no earnings to fund it and never should have. Acting Director Russell Vought requested zero dollars earlier this year, saying the Bureau had enough cash on hand to wind itself down. Critics like Elizabeth Warren call this political, but it is the Constitution doing the talking. When an agency cannot legally pay its bills, it cannot regulate anyone.