Decoder with Nilay Patel10 Huhti 2025

Why DOGE is killing the agency that stops banks from ripping you off

Rohit Chopra was the Consumer Financial Protection Bureau head until the end of January, when President Donald Trump fired him and Elon Musk’s DOGE began trying to dismantle the agency. The CFPB has been pretty popular since it was founded in the wake of the 2008 financial crisis to protect consumers, so shutting it down has kicked off a bunch of controversies — not least of which was whether Trump and Musk even had the power to do it. This all led me to ask several times who made the decision to fire him, who is currently responsible for the various policies of our government, and whether any of those things add up to a clear plan. Some of the most powerful executives in the world answer questions like this on Decoder all the time. But Rohit just didn’t know — and that should probably be as worrying as anything. Links: Trump fires CFPB director Rohit Chopra | Associated Press Trump orders CFPB to stop work, closes building | Associated Press CFPB workers reinstated after court order but still can’t work | The Verge Trump admin to appeal order blocking CFPB shutdown | Bloomberg Law A shady tech bootcamp may be sneaking back online | The Verge CFPB won’t enforce long-awaited payday lending rule | Bloomberg Law CFPB seeks to vacate redlining settlement, refund lender | Banking Dive CFPB signals it will drop rule regulating BNPL like credit cards | PYMTS CFPB drops fraud lawsuit against banks, Zelle | CNBC Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Our producers are Kate Cox and Nick Statt. Our editor is Ursa Wright. The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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The left and right agree on one thing: no data centers

Our guest today is Gaby Del Valle, a policy reporter here at The Verge, and we’re discussing the growing backlash against AI data centers. Gaby recently reported a fantastic piece about Hernando Count...

6 Elo 37min

Bluesky’s new CEO wants a big tent, not a bubble

Today, I’m talking with Toni Schneider, the new head of social platform Bluesky who formally took over after a short stint as interim CEO. This is one of my favorite kinds of interviews, because a cou...

3 Elo 1h 15min

The end of the human internet

Hey everyone, this is Nick Statt, senior producer on Decoder. We’re taking a brief publishing break while Nilay is out on vacation. We’ll resume regular programming next week, and we’ve got some great...

30 Heinä 43min

Tariffs didn’t bring manufacturing jobs back to the US

Evan Smith, cofounder and CEO of Altana, was last on the show in early 2025 to talk about how Trump’s first few waves of tariffs were starting to affect global trade. It was a very alarming and also v...

27 Heinä 1h 11min

What Apple’s OpenAI lawsuit is really about

Today, I’m talking with Hayden Field, The Verge’s senior AI reporter, about the major trade secrets lawsuit between Apple and OpenAI, and what this tells us about OpenAI’s future. Hayden has been co...

23 Heinä 44min

Dr. Jill Lepore on why the AI backlash is vital for the future

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20 Heinä 59min

Proton’s CTO: No company is going to jail for you

We’ve got the first of a two-part series on the systems that run the world: I’m talking today with Bart Butler, the CTO of Proton, the company that makes private and secure productivity software. Th...

16 Heinä 1h 24min

Yes, even Nvidia's head of automotive is fighting for compute

Nvidia is obviously in the news constantly because of the AI boom — but it's also a major supplier to the entire auto industry As head of Nvidia's automotive division, Xinzhou Wu has a front-row seat ...

13 Heinä 1h 11min