The compliance industry continues to face headwinds as funding for the Consumer Financial Protection Bureau is in jeopardy after the Department of Justice recently ruled that the bureau cannot request money from the Federal Reserve. 
The DOJ’s Nov. 7 ruling states that the “combine earnings of the Federal Reserve system” — laid out by the Dodd-Frank Act as the source of most of the CFPB’s funding — refers to Fed profits. The Fed was last profitable in 2022. 
It is unclear if the CFPB will be operational in January 2026. The bureau can request funding from Congress, but approval is uncertain.
Government shutdown ends
The ruling on CFPB funding came just days before the U.S. House voted Nov. 12 to end the longest government shutdown in United States history. 
The end of shutdown, which stretched from Oct. 1 to Nov. 12, could prove fruitful for the auto industry because consumers may have delayed auto purchases during this time, experts say. The theory, in part, is evidenced by a 2.7% drop in consumer confidence in October and slowing new-car sales.
Despite industry pressures, auto industry participants continue to see resilience. 
Shifts in RV industry
The RV industry also is optimistic for 2026, even as it continues to grapple with ongoing challenges such as falling registrations. 
Industry leaders gathered in Las Vegas this month for RV Dealers Convention and Expo 2025 to discuss the effects of macroeconomic conditions, consumer sales trends and the ROI for AI integration.
Listen as Auto Finance News Senior Associate Editor Truth Headlam and Associate Editor Aidan Bush unpack the past week’s auto finance and powersports news.