{"id":1005,"date":"2026-07-10T09:39:29","date_gmt":"2026-07-10T09:39:29","guid":{"rendered":"https:\/\/modernhomejournals.com\/?p=1005"},"modified":"2026-07-10T09:39:29","modified_gmt":"2026-07-10T09:39:29","slug":"inside-russ-voughts-consumer-financial-protection-bureau","status":"publish","type":"post","link":"https:\/\/modernhomejournals.com\/?p=1005","title":{"rendered":"Inside Russ Vought\u2019s Consumer Financial Protection Bureau"},"content":{"rendered":"
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The Consumer Financial Protection Bureau was slowly stirring back to life this year. The agency had started issuing a flurry of new rules, and staff were beginning examinations of financial institutions again and moving ahead on their enforcement casework.<\/p>\n

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Then hundreds of employees across the country received notices in late June signed by Acting Director Russell Vought: Move to Washington, D.C., by September, or lose your job. They have until July 21 to decide.<\/p>\n

\u201cYou can\u2019t give somebody two months to sell their house and move 2,000 miles,\u201d one CFPB financial auditor based in the San Francisco Bay Area said.<\/p>\n

\u201cI knew right then, there\u2019s no way I could do it. So this is them firing me,\u201d they added, requesting anonymity out of fear of reprisal.<\/p>\n

More than a year after the Trump administration attempted to shutter the agency, the CFPB remains mired in endless lawsuits over mass layoffs and agency funding. Still, 1,174 people were on payroll as of March.<\/p>\n

NOTUS spoke with current and former employees, and reviewed staff testimonies given to the agency\u2019s union. These workers recounted an agency barely functioning and a workforce in constant fear of dismissal. Some haven\u2019t been assigned work since President Donald Trump returned to office last January. Many see the return-to-office mandate as the latest attempt to shut down the bureau.<\/p>\n

\u201cThis illegal forced relocation is another attempt in Vought\u2019s yearslong crusade to drive workers out of public service and close the CFPB,\u201d Cat Farman, the CFPB union president, said in a statement to NOTUS.<\/p>\n

The union declined to answer questions about how it will respond to the return-to-office orders, including whether it will challenge them in court.<\/p>\n

The CFPB financial auditor \u2014 whose job is to ensure banks, lenders and debt collectors are following federal consumer finance laws \u2014 is waiting to see whether they will be given an exemption for a disability. The auditor said they suffered severe burns in a fire when they were a child and are under doctor\u2019s orders to avoid walking more than a quarter mile each day, and they must keep their foot propped up when sitting, or they risk requiring amputation. The auditor, who is over the age of 60, also cares for their adult son, who has a serious mental illness, with their spouse.<\/p>\n

Moving to Washington would result in an automatic $24,000-a-year pay cut because it\u2019s a lower-cost-of-living area and would require them to sign a new lease while still paying their family\u2019s expenses in California, the auditor said.<\/p>\n

But retiring comes with its own costs. The auditor said leaving the workforce now would mean they\u2019d receive $2,000 less per month in Social Security and pension benefits than they planned.<\/p>\n

\u201cThey\u2019re screwing me all up there,\u201d they said.<\/p>\n

It\u2019s unclear how many employees have already received exemptions or what factored into the decision to issue them. The CFPB did not respond to NOTUS\u2019 request for comment.<\/p>\n

Roughly 450 employees living around the country received return-to-office notices in recent weeks, including many working in roles designed to be outside Washington, D.C. If they choose to relocate, most must begin in-person work by September 6.<\/p>\n

About 650 CFPB employees already live within a 50-mile radius of the city and are expected back in the office starting July 13. The agency cited Trump\u2019s January executive order mandating in-person work for the federal workforce, as well as the president\u2019s orders to eliminate government waste and cut taxpayer costs in its notices to workers.<\/p>\n

Employees must work from the office at least two days a week. Several staff members told NOTUS they\u2019re under the impression there won\u2019t be enough desks for all the employees who will soon be required to work in the office. They added that staff had been paired up with colleagues and scheduled to come in on different days.<\/p>\n

\u201cSo you\u2019re going to move across the country, uproot your life, and then you\u2019ll only be in the office about 50% of the time?\u201d an employee in the agency\u2019s supervision division said.<\/p>\n

Many employees are skeptical about quickly relocating for jobs that agency leaders have repeatedly attempted to eliminate. They are weighing the risk of selling their homes, sinking cash into moving expenses and arranging costly child or elder care to comply with the order, according to interviews with current employees and written testimonies collected by the employees\u2019 union and shared with NOTUS.<\/p>\n

\u201cIt\u2019s ridiculous, it\u2019s inhumane, it\u2019s unprofessional, it is beyond what any reasonable person I think would consider normal or called for,\u201d said Chuck Werner, an information technology worker at the CFPB. \u201cThe harm being done is that no one\u2019s being asked to do their job for the most part. Well, what are they all of a sudden planning to ask people to do their job?\u201d<\/p>\n

Werner, who is based in Pittsburgh, said he has a medical condition that makes walking difficult, increasing the risk he develops sores that lead to infections. He\u2019s been hospitalized multiple times and anxious that he\u2019ll get injured.<\/p>\n

Relocating would mean leaving his relatives hundreds of miles away and risking his mental and physical health, he said.<\/p>\n

Within two days of receiving Vought\u2019s notice, Werner received an email from Chris Chilbert, the CFPB\u2019s chief information officer, to the tech team.<\/p>\n

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\u201cI know that this is incredibly upsetting and disruptive, and there is nothing I can write or say that will change that,\u201d Chilbert wrote in the email, which was reviewed by NOTUS. \u201cExemption decisions were made by the acting director and are final.\u201d<\/p>\n

Werner said he will defer his decision to relocate until he receives guidance from the union. He plans to file for an exemption for his medical condition, but he refuses to simply \u201cgive up\u201d and relocate.<\/p>\n

\u201cI want to be a part of setting a precedent of the protections of federal workers against political influence,\u201d Werner said. \u201cWe cannot go back to the systems of the past where every political appointee or every government hire was just someone\u2019s retinue, his patronage council.\u201d<\/p>\n

Current CFPB employees say that agency leadership has assigned them questionable projects that diminish the quality and potential impact of the bureau\u2019s work.<\/p>\n

The California-based auditor said they have received zero assignments since Trump took office last year. They would typically have conducted eight or nine exams over the course of those 17 months, they said.<\/p>\n

\u201cWe\u2019re the police force of the financial world,\u201d they said. \u201cImagine if a city just fired all their police officers, and the criminals were able to do whatever they wanted to do, and nobody stopped them.\u201d<\/p>\n

The supervision department has been among the hardest hit at the CFPB. The department has 173 fewer employees than were authorized for the 2025 fiscal year, a by the CFPB shows.<\/p>\n

Examiners once visited financial institutions around the country to listen in on their customer service calls, access their computer systems and review their records to ensure compliance with federal consumer finance laws.<\/p>\n

Examinations, which started up again around late spring, last around three weeks and involve two to three examiners, supervision employees said. Before the pandemic, bank examinations took eight weeks and involved as many as 10 examiners.<\/p>\n

Current agency leaders only allow examiners to work within a narrow scope of issues when reviewing banks, the supervision employee said.<\/p>\n

\u201cWe are actually conducting exams, but they are kind of laughable,\u201d the employee said. \u201cWe are severely limited in time, severely limited in resources, although we have enough of both. And the reason that there\u2019s such a shortage is because they don\u2019t want us to go deeper. They don\u2019t want us to actually examine and conduct legal analysis into the full work that we are used to doing, that we\u2019re charged and mandated to do.\u201d<\/p>\n

The agency has issued 21 rules<\/u><\/span> so far this year, from standardizing data practices to a rule that would tighten criteria for discrimination claims in credit lending in line with Trump\u2019s executive orders on merit-based opportunity.<\/b><\/p>\n

The enforcement division also remains active, though the majority of its cases have been closed since Trump returned to office. CFPB attorneys are quietly working on at least three cases, including against the consumer credit reporting company Experian, the debt-relief company Strategic Financial Solutions and the debt collector United Debt Holdings.<\/p>\n

Vought has sought to further shrink the enforcement division, which investigates and litigates violations of consumer financial laws.<\/p>\n

In March, Vought requested a modification to an appeals court\u2019s previous order to allow reductions in force, or RIFs, of more than half the bureau\u2019s remaining employees, including massive cuts to the supervision and enforcement divisions. The court denied Vought\u2019s request in June.<\/p>\n

The CFPB reported 549 fewer employees in the March filing than were authorized for the 2025 fiscal year. Many have opted to retire or left for other job opportunities as the bureau\u2019s future became uncertain.<\/p>\n

U.S. District Court for the District of Columbia Judge Amy Berman Jackson first issued an injunction halting layoffs in March 2025, though the agency remains mired in a legal battle over the future of its workforce.<\/p>\n

CFPB employees are now placing their hopes in Jackson siding with them in a potential legal challenge to the return-to-office notices.<\/p>\n

In any case, the supervision employee said they\u2019re willing to move across the country to keep the agency alive.<\/p>\n

\u201cI want to help keep the lights on, and so if it comes down to it, then yes, I would ultimately move,\u201d the employee said. \u201cWe\u2019re really losing a lot of people who have, you know, institutional knowledge, have a certain level of expertise and also have been here for the reasons that the bureau was intentionally stood up, so I want to be part of stopping that hemorrhaging.\u201d<\/p>\n

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Hundreds of employees around the country must relocate to Washington, D.C., or risk termination from the agency that has repeatedly attempted to eliminate their jobs.<\/p>\n","protected":false},"author":1,"featured_media":1004,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-agencies"],"yoast_head":"\nInside Russ Vought\u2019s Consumer Financial Protection Bureau - Modern Home Journals<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/modernhomejournals.com\/?p=1005\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inside Russ Vought\u2019s Consumer Financial Protection Bureau - 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