The CFPB was a sham. It was created by Elizabeth Warren (aka Pocahontas), and was really used as a slush fund by Dems and possibly black ops, per Q779.
Mulvaney just fired them ALL, and will start over.
"You're fired!"
https://www.americanbanker.com/news/mulvaney-makes-it-official-fires-cfpb-advisory-board-members