I'm old enough to remember when we had a Consumer Financial Protection Bureau (CFPB) to push back against this kind of anti-consumer crap. It got doge'd by Dumpty/Musk.
I'd be willing to bet it was their consumer complaint system that informed the FTC. They have a interagency agreement for crossreferral. Hopefully they didn't have to cut that back with the 90% doge cut. But don't worry, we will restore funding and make it more powerful after we de-dumpty the federal govt.