The article dances around the idea of a debtors union using a payment strike for leverage without saying it, which is probably why it’s so vague. That’s an option that the CFPB doesn’t have, plus it wouldn’t be subject to the same bureaucratic process as a government agency. Imagine if every credit card holder were prepared to stop paying until the unions terms are met. One person trying that isn’t getting far, a big enough group would threaten to turn enough valuable debt into junk to force change