The CFPB's funding was cut in half by the reconciliation bill, and its operations were shut down by executive order before a federal judge intervened. The agency returned $17.5 billion to consumers in its first decade.
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Call Your Representative
U.S. Capitol switchboard: (202) 224-3121
Here's what to say:
- I'm calling to ask the Senator to support restoring full funding for the Consumer Financial Protection Bureau.
- The reconciliation bill cut the CFPB's budget in half. Before that, the acting director shut down all enforcement and rulemaking.
- The CFPB is the only federal agency that polices predatory lenders, debt collectors, and credit card companies on behalf of consumers.
- A federal judge had to order the bureau to keep operating. That should not be necessary.
- I'm a constituent and I want Congress to restore the CFPB's full funding and independence.
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Write Your Own Letter
Prefer to write in your own words? Use this as a starting point.
Dear [Senator/Representative name],
I am writing as a constituent from [city, state] about restore cfpb funding and independence.
The reconciliation bill cut the CFPB's budget in half. Before that, the acting director shut down all enforcement and rulemaking.
The CFPB is the only federal agency that polices predatory lenders, debt collectors, and credit card companies on behalf of consumers.
A federal judge had to order the bureau to keep operating. That should not be necessary.
The facts support this: 50% CFPB funding cap cut by the reconciliation bill. $17.5 billion Returned to consumers by the CFPB in its first decade of operation.
I am asking you to take a public position on this issue and act accordingly. Thank you for your time.
Sincerely,
[Your name]
[Your address]
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Key Facts to Mention
Use these in your letter, call, email, or social post.
- 50% CFPB funding cap cut by the reconciliation bill
- $17.5 billion Returned to consumers by the CFPB in its first decade of operation
Preview the full letter
On February 8, 2025, the acting CFPB director shut down the bureau's operations -- halting all rulemaking, enforcement actions, supervision, and examinations. The reconciliation bill then cut the CFPB's funding cap in half. A federal judge ordered the bureau to keep operating, but with gutted staff and halved funding, the agency that polices predatory lenders, debt collectors, and credit card companies is a shell of what it was.
The CFPB returned $17.5 billion to consumers in its first decade. Without it, there is no federal cop on the beat for the financial products most Americans use every day. Tell your representatives to restore full CFPB funding and prohibit future shutdowns by executive fiat.
This action is part of our Economy coverage.