Out of all the agencies the Trump administration has attempted to destroy from the inside, the Consumer Financial Protection Bureau stands out from the pack. Under the tutelage of Mick Mulvaney, the bureau—whose name he literally wanted to change so there was less emphasis on the word “consumer”—cut back on lawsuits against financial institutions by two-thirds; didn’t bring a single new discrimination case; allowed a company that had falsely threatened customers “with arrest and imprisonment if they failed to repay loans” to settle for zero dollars and zero cents; and went to bat in a major way for payday lenders, which are known for charging mafia-level interest rates and trapping the working poor in an inescapable cycle of debt. In December, Mulvaney left the C.F.P.B. to become Donald Trump’s chief of staff but according to a new report, his goal of turning Elizabeth Warren’s baby into an agency that harms the very people it was designed to protect lives on!

On Tuesday, the C.F.P.B. announced a proposed set of rules that would give debt collectors the green light to send consumers unlimited text and e-mails, in a move that Mulvaney’s successor, Kathy Kraninger, has tried to claim is all about helping the people the messages are intended to harass. (Last month, before the proposed rules were officially unveiled, Kraninger, trying her hand at comedy, said that allowing debt collectors to violate people’s inboxes and phones is all about “empowering consumers to help themselves [and] protect their own interests.”)

While industry groups are obviously thrilled with the move, consumer advocates—which the C.F.P.B. used to be—worry about what kind of high-pressure tactics collectors will use once given the thumbs-up to violate consumers’ privacy in a digital fashion. “People are able to ignore phone calls, and that is the thing debt collectors don’t like,” David Phillips, an Illinois attorney who has filed dozens of suits against debt collectors, told The Washington Post. “It’s as if a debt collector is able to show up at your house and pound on the door. That is the effect of a text message.” Kraninger & Co. have also asked debt collectors if they foresee using social media to contact customers and for many, the answer is We’re two steps ahead of ya, Kath. Per the Post: