Judge Scraps Biden-Era Rule
A Trump-appointed federal judge has just dealt a serious blow to Joe Biden’s economic agenda—halting a controversial rule that would have wiped billions in unpaid medical debt from Americans’ credit reports.
Biden Rule Struck Down by Federal Court
On Friday, U.S. District Judge Sean Jordan, appointed by President Donald Trump in 2019, ruled that the Consumer Financial Protection Bureau (CFPB) overstepped its legal authority. The agency had attempted to impose a sweeping regulation allowing the removal of medical debt from credit histories—impacting nearly 15 million Americans and $50 billion in unpaid bills.
Jordan’s ruling makes it clear: the Fair Credit Reporting Act, last amended in 2003, does not give the CFPB the power to erase such debts from credit reports. While the bureau may encourage lenders to consider other factors, it cannot rewrite the rules on creditworthiness by fiat.
Trump Targets Waste and Overreach in Washington
The ruling comes as President Trump continues his second-term crackdown on bloated bureaucracy and financial mismanagement. His Department of Government Efficiency (DOGE) has already made headlines for targeting the CFPB—an agency long criticized by conservatives for waste, bias, and political activism.
Since January, the Trump administration has trimmed the CFPB’s budget, implemented staff cuts, and taken steps to restore accountability in how the agency operates. Earlier this year, a federal judge temporarily blocked Trump’s attempt to restructure the bureau, but momentum for reform remains strong.
Harris, Biden Pushed Medical Debt Forgiveness
Former Vice President Kamala Harris, echoing Biden’s far-left platform, campaigned on expanding government healthcare and eliminating medical debt. “No one should be denied economic opportunity because they got sick,” Harris said in January.
But critics argue these policies punish responsible Americans who pay their bills, while creating more dependency on government programs like Medicaid and Obamacare.
Industry Experts Applaud the Decision
Dan Smith, president of the Consumer Data Industry Association, welcomed Judge Jordan’s decision. “This is the right outcome for protecting the integrity of the credit system,” he said in a statement.
Financial analysts say the ruling protects the fairness of credit reporting while stopping an unconstitutional power grab by unelected bureaucrats.
Trump Signs Law Cutting Medicaid Abuse, Adding Work Requirements
Just days before the court decision, President Trump signed a sweeping tax and spending package that includes major cuts to Medicaid and new work requirements. The legislation is expected to reduce fraud and force able-bodied adults to contribute if they want to receive taxpayer-funded benefits.
It’s a clear sign: Trump is once again putting America’s taxpayers, seniors, and working families first—while dismantling the legacy of Biden’s failed economic agenda.
