【中美创新时报2025 年 2 月 1 日编译讯】（记者温友平编译）唐纳德·特朗普总统解雇了消费者金融保护局局长罗希特·乔普拉，这是对拜登政府遗留人员的最新清洗。美联社记者 JOSH BOAK 对此作了下述报道。
乔普拉是上一届民主党政府中最重要的监管者之一，自 1 月 20 日特朗普上任以来一直在任。乔普拉任职期间，医疗债务从信用报告中删除，透支罚款限制，所有这些都基于这样一个前提，即金融系统可以更公平、更具竞争力，从而帮助消费者。但金融业的许多人认为他的行为是监管过度。
周六，在社交媒体上发布关于他离职的消息时，乔普拉感谢全国各地与政府消费者金融监管机构“分享想法和经验”的人们。
“你们帮助我们追究大公司及其高管违法的责任，你们让我们的工作做得更好，”乔普拉在 X 上发布了他宣布不再领导该局的信函图片。
在特朗普的第一任期内，共和党人选择乔普拉作为联邦贸易委员会的民主党成员。
乔普拉在信中指出，该局已准备好与特朗普政府合作。他说，该机构已经制定了规则，阻止俄罗斯、中国和其他国家使用数据经纪人监视美国人，并提出了旨在防止人们因行使宪法赋予的表达政治或宗教观点的权利而失去银行服务机会的政策。
信中指出，CFPB 还分析了特朗普竞选时提出的限制信用卡利率的提案。
据一位知情人士透露，乔普拉在一封电子邮件中收到了解雇通知，此人未获授权公开讨论此事，并要求匿名。
根据法律，乔普拉的任期为五年，这意味着他可以继续担任消费者金融保护局局长。但他曾公开表示，如果新总统要求，他将辞职。
在许多方面，乔普拉都体现了特朗普承诺限制企业监管与他对选民的民粹主义诉求之间的一些矛盾。当美联社 1 月 22 日报道特朗普宣誓就职后乔普拉仍留在原职时，金融界的批评者迅速表示总统需要解雇他。
消费者银行家协会新闻秘书韦斯顿·洛伊德在电子邮件中表示：“乔普拉局长任职的时间越长，这个支持增长的政府就越难撤销前总统拜登任命的局长过去几年在该局参与的政治驱动、政府定价议程。”
乔普拉是参议员伊丽莎白·沃伦的盟友，后者是特朗普最喜欢的目标之一，这位马萨诸塞州民主党人在一份声明中表示，如果特朗普和共和党人“决定向华尔街亿万富翁屈服并摧毁该机构，他们将面临一场斗争。”她说，乔普拉领导下的该局已让“华尔街承担责任”。
众议院金融服务委员会的民主党高层加州众议员马克辛·沃特斯在一份声明中表示，乔普拉的解雇“标志着一个强有力的消费者保护时代的结束，以及结束这个重要机构的计划的开始。”
该局是在 2008 年金融危机后成立的，旨在监管抵押贷款、汽车贷款和其他消费金融。共和党及其支持者长期以来一直反对该局。
去年，最高法院驳回了一项可能削弱该局的诉讼，裁定该局的资金来源并不违反宪法。与大多数联邦机构不同，该局不依赖国会的年度预算程序，而是由美联储直接提供资金。
题图：罗希特·乔普拉，前消费者金融保护局局长。Jacquelyn Martin/美联社
附原英文报道：
Trump fires director of Consumer Financial Protection Bureau
President Donald Trump has fired the director of the Consumer Financial Protection Bureau, Rohit Chopra, in the latest purge of a Biden administration holdover
By JOSH BOAK The Associated Press,Updated February 1, 2025
Rohit Chopra, the former director of the Consumer Financial Protection Bureau.Jacquelyn Martin/Associated Press
PALM BEACH, Fla. (AP) — President Donald Trump has fired the director of the Consumer Financial Protection Bureau, Rohit Chopra, in the latest purge of a Biden administration holdover.
Chopra was one of the more important regulators from the previous Democratic administration who was still on the job since Trump took office on Jan. 20. Chopra’s tenure saw the removal of medical debt from credit reports and limits on overdrafts penalties, all based on the premise that the financial system could be fairer and more competitive in ways that helped consumers. But many in the financial industry viewed his actions as regulatory overreach.
In a social media post Saturday about his departure, Chopra thanked people across the country who “shared their ideas and experiences” with the government’s consumer financial watchdog agency.
“You helped us hold powerful companies & their executives accountable for breaking the law, and you made our work better,” Chopra posted above on X above pictures of his letter announcing that he would no longer lead the bureau.
During Trump’s first term, the Republican had picked Chopra as a Democratic member of the Federal Trade Commission.
In his letter, Chopra noted that the bureau was ready to work with the Trump administration. He said the agency had prepared rules to block Russia, China and others from using data brokers to surveil Americans, and had put forth policies intended to prevent people from losing access to banking services for exercising their constitutional right to express their political or religious views.
The letter noted the CFPB has also analyzed Trump’s campaign proposal to cap credit card interest rates.
Chopra was notified of his firing in an email, according to a person familiar with the notice who was not authorized to discuss the matter publicly and spoke on condition of anonymity.
Under the law, Chopra was to serve a five-year term, which meant he could have stayed on as the CFPB director. But he had publicly stated that he would leave his post if the new president asked.
In many ways, Chopra exemplified some of the tensions between Trump’s promises to curb regulations for businesses and his populist appeals to voters. When The Associated Press reported on Jan. 22 that Chopra remained in his job after Trump took the oath of office, his critics in the financial sector quickly said the president needed to dismiss him.
“The longer Director Chopra stays, the harder it will be for this pro-growth administration to undo the politically-driven, government-price setting agenda that former President Biden’s appointee has engaged in over the last several years at the Bureau,” emailed Weston Loyd, press secretary at the Consumer Bankers Association.
Chopra is an ally of Sen. Elizabeth Warren, one of Trump’s favorite targets, and the Massachusetts Democrat said in a statement that if Trump and Republicans “decide to cower to Wall Street billionaires and destroy the agency, they will have a fight on their hands.” She said the bureau under Chopra had held “Wall Street accountable.”
California Rep. Maxine Waters, the top Democrat on the House Financial Services Committee, said in a statement that Chopra’s dismissal “marks the end of an era of strong consumer protection and the beginning of a plan to end this important agency.”
The bureau was created after the 2008 financial crisis to regulate mortgages, car loans and other consumer finance. It has long been opposed by Republicans and their financial backers.
Last year, the Supreme Court rejected a challenged that could have undermined the bureau, ruling that the way it is is funded does not violate the Constitution. Unlike most federal agencies, the bureau does not rely on the annual budget process in Congress, but is funded directly by the Federal Reserve.
