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    Elon Musk’s DOGE Overhauls the Consumer Financial Protection Bureau

    The upheaval at the Consumer Financial Protection Bureau offers a glimpse into the playbook that Elon Musk and other Trump allies seem to be writing in real time.At first, things at the Consumer Financial Protection Bureau seemed eerily calm.The Biden-appointed director of the agency, which was created after the 2009 financial crisis to regulate banks and other lenders, was not immediately fired by President Trump. The lawyers at the agency continued with their business. In late January, they said a remittance company was misleading customers about its fees and ordered it to pay a $2.5 million fine.And then the chaos began.On the morning of Feb. 1 — a Saturday — the director was dismissed, as my colleague Stacy Cowley, who has followed every twist and turn of this story, reported. By the next Friday, Feb. 7, Russell Vought, the director of the Office of Management and Budget and a close Trump adviser, was installed as the C.F.P.B.’s acting director. Representatives from the new Department of Government Efficiency, which is led by Elon Musk and is not a formal executive-branch department, arrived and got access to the computer systems.Musk posted a message on his X account: “CFPB RIP.”Musk’s cost-cutting team has been operating with little transparency. Members don’t announce what they’re doing, who’s doing it or how. So it’s worth understanding what’s happening at the C.F.P.B., both because of the direct impact on the agency’s work and because it’s a glimpse into the playbook that Musk and his team, working with Trump officials like Vought, seem to be writing in real time.The panic strategyRussell Vought on Capitol Hill this week.Haiyun Jiang for The New York TimesLast Saturday, Vought ordered the nearly 1,700 people who work at the agency to stop much of their work. The edict prompted widespread fear and deep concern about the agency’s future. People worried that their work phones and computers were being tracked. One employee I spoke with, who asked not to be identified out of fear of retaliation, felt panic, and then remembered that Vought had spoken in 2023 of his intent to demoralize workers in the civil service.“We want the bureaucrats to be traumatically affected,” Vought had said.Some employees tried to plug away at their jobs. Two of them told me that after they saw Musk’s post on X about his team’s preference for working on weekends, when federal offices are closed, they decided they would do the same. On Saturday, they saw three employees from Musk’s team in the bureau’s basement, working in conference rooms with the windows papered over.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    36 Hours After Russell Vought Took Over Consumer Bureau, He Shut Its Operations

    The agency had been one of Wall Street’s most feared regulators, with the power to issue rules on mortgages, credit cards, student loans and other areas affecting Americans’ financial lives.The day before Linda Wetzel closed on her retirement home in Southport, N.C., in 2012 — a cozy place where she could open the windows at night and catch an ocean breeze — the bank making the loan surprised her with a fee she hadn’t expected. Ms. Wetzel scoured her mortgage paperwork and couldn’t find the charge disclosed anywhere.Ms. Wetzel made the payment and then filed an online complaint with the Consumer Financial Protection Bureau. The bank quickly opened an investigation, and a month later, it sent her a $5,600 check.“My first thought was ‘thank you.’ I was in tears,” she recalled. “That money was a year or two of savings on my mortgage. It was my little nest egg.”Ms. Wetzel’s refund is a tiny piece of the work the bureau has done since it was created in 2011. It has clawed back $21 billion for consumers. It slashed overdraft fees, reformed the student loan servicing market, transformed mortgage lending rules and forced banks and money transmitters to compensate fraud victims.It may no longer be able to carry out that work.President Trump on Friday appointed Russell Vought, who was confirmed a day earlier to lead the Office of Management and Budget, as the agency’s acting director. Mr. Vought was an author of Project 2025, a conservative blueprint for upending the federal government that called for significant changes, including abolishing the consumer bureau.In less than 36 hours, Mr. Vought threw the agency into chaos. On Saturday, he ordered the bureau’s 1,700 employees to stop nearly all their work and announced plans to cut off the agency’s funding. Then on Sunday, he closed the bureau’s headquarters for the coming week. Workers who tried to retrieve their laptops from the office were turned away, employees said.The bureau “has been a woke & weaponized agency against disfavored industries and individuals for a long time,” Mr. Vought wrote Sunday on X. “This must end.”We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    White House Forces Showdown Over Congress’s Power of the Purse

    The confirmation of Russell T. Vought to lead the powerful White House budget office is likely to escalate the funding fights roiling Washington and the nation.Susan Collins was a Senate intern in 1974 when Congress, in response to President Richard M. Nixon’s refusal to spend on projects he opposed, passed a sweeping budget law to bar presidents from overriding lawmakers when it came to doling out dollars.The resulting law, the Congressional Budget and Impoundment Control Act, is “very clear, and it re-emphasizes the power of the purse that Congress has under the Constitution,” Ms. Collins, now a 72-year-old Republican senator from Maine and the chairwoman of the Appropriations Committee, said in an interview this week.She and her fellow appropriators in both parties will have a fight on their hands if they hope to retain supremacy in federal spending. The question of who has the final word is emerging as a central point of contention between members of Congress and the White House, a clash that is likely to escalate after the confirmation on Thursday of Russell T. Vought as the director of President Trump’s Office of Management and Budget.Mr. Vought has flatly declared that he — and Mr. Trump — consider the budget act to be unconstitutional. They contend that the White House can choose what gets money and what doesn’t even if it conflicts with specific directions from Congress through appropriations measures signed into law. Others on Capitol Hill, including some Republicans, vehemently dispute that idea.The disagreement is spurring the uproar over Mr. Trump’s move to suspend trillions of dollars in federal spending while the executive branch reviews it to determine whether it complies with the his newly issued policy dictates, as well as the president’s efforts to gut the United States Agency for International Development.Senators Tim Kaine and Mark Warner, Democrats of Virginia, at a rally in support of U.S.A.I.D. at the Capitol on Wednesday. Haiyun Jiang for The New York TimesWe are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Senate Confirms Russell Vought as Office of Management and Budget Director

    The Senate voted along party lines on Thursday to confirm Russell T. Vought to lead the Office of Management and Budget, putting in place one of the most powerful architects of President Trump’s agenda to upend the federal bureaucracy and slash spending that the administration thinks is wasteful.The 53-to-47 vote returns Mr. Vought to the White House budget office that he also led during Mr. Trump’s first term. During his tenure, he took steps to expand the number of federal employees required to work during a government shutdown, froze military aid for Ukraine and railed against spending on foreign aid.Mr. Vought emerged as one of Mr. Trump’s most contentious nominees, drawing intense backlash from Senate Democrats who described him as a lawless ideologue. They used every legislative tool at their disposal to delay his confirmation vote, commandeering the Senate floor on Wednesday night and into Thursday morning to make the case against him.“We’re going to be speaking all night,” Senator Chuck Schumer, Democrat of New York and the minority leader, said as his colleagues prepared to burn through the clock. “We want Americans, every hour, whether it’s 8 p.m. or 3 a.m., to hear how bad Russell Vought is and the danger he poses to them in their daily lives.”After leaving the office, Mr. Vought founded the Center for Renewing America, a conservative think tank, and was an architect of Project 2025. That document was an effort by conservative groups to develop detailed ideas for policies and executive actions that Mr. Trump could pursue to tear down and rebuild executive government institutions in a way that would enhance presidential power.In speeches, Mr. Vought made clear that he relished the opportunity to overhaul the ranks of career federal workers that Mr. Trump views as part of the “deep state.”We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Trump Picks Ed Martin, ‘Stop the Steal’ Promoter, for Management and Budget Staff Chief

    Ed Martin, who has been chosen by President-elect Donald J. Trump to be the chief of staff for his Office of Management and Budget, is an anti-abortion activist who helped to organize the “Stop the Steal” movement to overturn the 2020 election for Mr. Trump.Mr. Martin, a longtime Republican operative in Missouri, served as chief of staff to former Gov. Matt Blunt of Missouri nearly two decades ago and ran the state party 10 years ago. But it was his alignment with the anti-feminist activist Phyllis Schlafly in the last few years of her life that amplified his national profile as a conservative hard-liner.In saying on Tuesday that he had selected Mr. Martin to serve at the O.M.B., Mr. Trump noted that Mr. Martin had co-written a book with Ms. Schlafly — published a few days after she died in September 2016 — which urged conservatives to vote for Mr. Trump.Mr. Martin has continued to promote his alignment with Ms. Schlafly through an organization he runs bearing her name, Phyllis Schlafly Eagles.Mr. Martin will work under Russell Vought, a close ally of Mr. Trump’s who ran O.M.B. for part of his first administration. Mr. Trump also on Tuesday named Representative Dan Bishop, a Republican who recently lost the attorney general race in North Carolina, as deputy director of O.M.B.The office is expected to play a crucial role within the Trump administration in helping Mr. Trump to wield power across federal agencies. Mr. Vought was one of the influential figures behind Project 2025, the blueprint that the Heritage Foundation and other conservative groups have mapped for the Trump administration. Mr. Trump during the election distanced himself from the project but has since been plucking people affiliated with it to serve under him.Mr. Martin did not respond to immediate requests for comment.Mr. Martin worked with Mr. Vought on the Republican National Committee’s new policy platform, which pulled back some of the party’s hard-line language on abortion. Yet Mr. Martin has backed anti-abortion policies that include a national ban, and has expressed openness to the idea that women and doctors should be prosecuted for abortion.He also served as an organizer and financier in the “Stop the Steal” movement trying to promote efforts to overturn the 2020 election, according to the Congressional Committee that investigated the Jan. 6, 2021, attack on the Capitol. In a speech outside the building a day earlier, Mr. Martin spoke of “die-hard true Americans,” and said he would work until “we have a last breath and go home to the Lord because we will stop the steal.” After that he helped usher a small right-wing organization once associated with Ms. Schlafly, America’s Future, over to retired Gen. Michael T. Flynn, a major promoter of election conspiracy theories. Mr. Flynn and other family members who work at the organization have turned the group into a backer of far-right conspiratorial ideology. More

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    Trump Cabinet: Inside the Many Ideologies of His Nominees

    One faction of prospective nominees appears focused on revenge, another on calming markets and a third on relentlessly — perhaps hopelessly — cutting people and budgets.President-elect Donald J. Trump’s final flurry of cabinet picks and other appointments rounded out what his aides described as a unified, loyal, MAGA-driven administration. But scratch the surface and there are at least three distinct factions and a range of ideologies, barely suppressed to get through the rigors of the confirmation process.There is a revenge team, led by prospective nominees with instructions to rip apart the Justice Department, the intelligence agencies and the Defense Department, hunting down the so-called deep state and anyone who participated in the prosecutions of Mr. Trump.There is a calm-the-markets team, which Mr. Trump hopes will be led by Scott Bessent, the Wall Street billionaire who Mr. Trump chose for Treasury secretary. Mr. Bessent can recite the MAGA lines about deregulation and lower taxes but would likely try to make sure Mr. Trump’s most extreme solutions, like inflation-inducing tariffs on foreign goods, do not end the post-election stock market surge.And then there is a government shrinkage team, led by Elon Musk and Vivek Ramaswamy, whose goals are wildly ambitious, to put it mildly. They want to carve what Mr. Musk says will be “at least” $2 trillion from the annual federal budget, a figure that exceeds the annual cost of salaries for every federal employee. (For the record, the total federal budget in the 2024 fiscal year was $6.75 trillion.)How these missions will mesh and where they will collide is one of the biggest unknowns of the incoming administration.Diversity of ideology and opinion is usually seen as a strength, not a defect, of presidential cabinets. But if there is a surprise about Mr. Trump’s choices in recent days, it is the range of experiences and worldviews that in some cases lie just beneath a veneer of recently declared Make America Great Again loyalty — and loyalty to Mr. Trump himself. It is hard to imagine a few of his picks sitting comfortably at a Trump rally.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Trump Picks Russell Vought, Key Figure in Project 2025, to Lead OMB

    President-elect Donald J. Trump on Friday picked a key figure in Project 2025 to lead the Office of Management and Budget, elevating a longtime ally who has spent the last four years making plans to rework the American government to enhance presidential power.The would-be nominee, Russell T. Vought, would oversee the White House budget and help determine whether federal agencies comport with the president’s policies. The role requires Senate confirmation unless Mr. Trump is able to make recess appointments.The choice of Mr. Vought would bring in a strongly ideological figure who played a pivotal role in Mr. Trump’s first term, when he also served as budget chief. Among other things, Mr. Vought helped come up with the idea of having Mr. Trump use emergency power to circumvent Congress’s decision about how much to spend on a border wall.Mr. Vought was a leading figure in Project 2025, the effort by conservative organizations to build a governing blueprint for Mr. Trump should he take office once again. Mr. Trump tried to distance himself from the effort during his campaign, but he has put forward people with ties to the project for his administration since the election.Mr. Vought’s role in Project 2025 was to oversee executive orders and other unilateral actions that Mr. Trump could take during his first six months in office, with the goal of tearing down and rebuilding executive branch institutions in a way that would enhance presidential power.In an interview with The New York Times in 2023, Mr. Vought laid out an agenda of eliminating the independence of certain regulatory agencies that operate outside the direct control of the White House, such as the Federal Communications Commission and the Securities and Exchange Commission.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More