Over the past six months under Trump-appointed leadership, the Consumer Financial Protection Bureau (CFPB) has concentrated nearly all efforts on dismantling corporate penalties, fines, and enforcement actions implemented during the Biden administration. Multiple cases involving consumer refund obligations or fraud allegations have been abruptly terminated since the transition.

Key reversed cases include:

Navy Federal Credit Union faced CFPB allegations of unfair and deceptive overdraft fee practices. The institution initially settled by agreeing to refund $80 million to members—primarily military personnel, veterans, and their families. However, the new administration rescinded this order without explanation. The credit union hasn't disclosed whether refunds will proceed.

A proposed CFPB rule targeting overdraft fees—aiming to slash industry averages from $27 to $5—was overturned by the Republican-controlled Congress in April. This regulation stemmed from cost analyses of banks' short-term lending practices for overdrawn accounts, potentially costing the industry billions despite banks' declining reliance on such revenue.

In the Biden administration's final days, the CFPB sued Capital One Financial Corporation, alleging $2 billion in consumer deception regarding savings account interest payments. The case centered on the "360 Savings" product marketed as having the nation's highest rates while failing to disclose higher-yielding alternatives. The lawsuit vanished within days of the Trump administration taking office.

The CFPB's December lawsuit against Wal-Mart and fintech partner Branch Messenger accused both of fraudulently pressuring delivery drivers into opening fee-laden accounts for instant wage access. Seeking $10 million in driver restitution, the case collapsed within weeks of the leadership change. Both companies denied all allegations.

A separate enforcement action targeted Zelle's parent company and major banking partners for allegedly violating consumer protection laws by failing to curb rampant fraud on the peer-to-peer platform. The CFPB cited approximately $870 million in consumer losses from 870,000 fraud incidents during Zelle's seven-year operation before abruptly withdrawing the suit in March.