CNBC: Consumer Financial Protection Bureau (CFBA Wikipedia) halts activity
Concern is mounting as a federal agency dedicated to protecting consumers remains shut down. The abrupt week-long closure comes after the acting director appointed by President Donald Trump ordered employees to stop nearly all of their work.
The watchdog agency we're talking about is the CFPB, the Consumer Financial Protection Bureau. As its name indicates, its job is to fight financial abuse and fraud on behalf of American consumers. It's done that for nearly two decades by putting into place new rules and penalizing big banks and other companies that break them. But now the fate of the entire agency looks bleak.
由於致力於保護消費者的聯邦機構仍然關閉，人們的擔憂日益加劇。在唐納德·特朗普總統任命的代理總監命令員工停止幾乎所有工作之後，突然關閉了一周。
我們所說的監管機構是CFPB，即消費者金融保護局。正如其名稱所示，其工作是代表美國消費者打擊金融濫用和欺詐行為。近二十年來，它透過制定新規則並懲罰違反規則的大銀行和其他公司來做到這一點。但現在整個機構的命運看起來很黯淡。
消費者金融保護局（CFPB）因其資金結構、缺乏問責制和明顯的政治偏見而備受爭議。
資金結構
CFPB 直接從聯準會獲得資金，而不是透過國會的年度撥款。
這種結構被批評為非常規和違憲。
缺乏問責制
CFPB 主任對該機構、其招聘和預算擁有唯一控制權。
主任對國會或總統幾乎不負有責任。
感知到的政治偏見
CFPB 被指控使用錯誤數據來支持推進政治目標的規則制定。
CFPB 被指控濫用或無視其法律權威。
批評史
CFPB 面臨銀行業、一些共和黨人和川普政府的批評。
在川普的第一個任期內，政府採取措施削弱 CFPB。
最高法院案件
最高法院目前正在審理一起質疑 CFPB 資金結構合憲性的案件。
The Consumer Financial Protection Bureau (CFPB) has been controversial because of its funding structure, lack of accountability, and perceived political bias.
Funding structure
The CFPB receives funding directly from the Federal Reserve, rather than through annual appropriations from Congress.
This structure has been criticized as unconventional and unconstitutional.
Lack of accountability
The CFPB director has sole control over the agency, its hiring, and its budget.
The director has little accountability to Congress or the president.
Perceived political bias
The CFPB has been accused of using faulty data to support rulemakings that advance political goals.
The CFPB has been accused of straining or disregarding its legal authority.
History of criticism
The CFPB has faced criticism from the banking industry, some Republicans, and the Trump administration.
During Trump's first term, the administration took steps to weaken the CFPB.
Supreme Court case
The Supreme Court is currently considering a case challenging the constitutionality of the CFPB's funding structure.
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