WASHINGTON D.C. — Acting Consumer Finance Protection Bureau head Russell Vought terminated the Toyota payout agreement in May 2025, according to public records. The agreement had ordered Toyota Motor Credit to pay 60 million dollars in late 2023. This order followed instances where dealers sold thousands of customers unwanted insurance products with their loans. According to Consumer Finance Protection Bureau filings, the complaint hotline for the Toyota program was staffed by employees instructed not to cancel products until a consumer asked three times and then submitted a written letter.
Protect Borrowers calculated that by October 2025, Vought dismissed or rolled back 42 agreements with companies. Public records show the Consumer Finance Protection Bureau returned 21 billion dollars to consumers since its establishment. U.S. Supreme Court rulings over the past decade limited the authority of consumer protection agencies and upheld forced arbitration clauses.
According to the National Consumer Rage survey, nearly 80 percent of Americans experienced a product or service problem in 2025. Approximately two-thirds of those respondents reported feeling rage about the problem. A February report estimated that U.S. households lose 165 billion dollars annually in fees, time, and frustration navigating daily life, according to the Groundwork Collaborative.
Sally Greenberg, executive director of the National Consumers League, stated, "It feels like a war on consumers." Greenberg also said, "What does that say to companies? It says go ahead, rip off, lie, cheat and if you do there will be no consequences."