2025 was another consequential year in the consumer finance industry. On the federal level, President Donald Trump started his second term in January and since then has led an unprecedented rollback of federal agency oversight, impacting everything from the Consumer Financial Protection Bureau to the Federal Trade Commission. The rollback was especially visible in fair lending and unfair, deceptive, or abusive acts or practices, student lending, and fast-evolving markets like digital assets and fintech, where the administration has embraced a more openly pro-innovation posture toward digital assets and related technologies.
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