By KEN SWEET, AP Business Writer

NEW YORK (AP) — In the nearly six months since the Trump administration has had control of the Consumer Financial Protection Bureau, the bureau’s leadership has focused almost exclusively on rolling back any punishments, fines and penalties made against companies during the Biden administration.

In some cases, companies that were supposed to refund their customers or pay a penalty for unfair or deceptive practices are no longer bound to make their customers whole. Other companies facing charges of fraud of deceptive practices saw their lawsuits dropped in the early days of the Trump administration.

Here are some of the Trump administration’s rollbacks:

Navy Federal Credit Union

The CFPB accused Navy Federal Credit Union, the nation’s largest credit union, of having unfair and deceptive overdraft fee practices. NFCU settled with the bureau and agreed to refund its members $80 million in overdraft fees. However, when the new administration took over, NFCU asked to have the order dismissed, which the CFPB agreed to do without giving a reason. Navy Federal has not said whether it would refund their members, which are mostly service men and women, families and veterans.

Reduced overdraft fees

The CFPB proposed new regulations that would have reduced overdraft fees to $5 from their industry average of $27. The regulations focused on a bureau analysis on what it actually cost banks to make short-term loans to customers to cover those purchases when a customer’s account went negative. The banking industry stood to lose billions of dollars in overdraft revenue, although banks have been weening themselves off overdraft fee revenue for years. The regulations were overturned by the Republican-controlled Congress in April.

Capital One

In the last days of the Biden administration, the CFPB sued banking giant Capital One for allegedly cheating its customers out of $2 billion in interest payments on their savings accounts. The case involved a product that Capital One sold known as 360 Savings, which the bank advertised as having the best savings rate in the country. Capital One failed to tell some customers that it had another product with a higher savings rate. The case was dropped within days of the Trump administration taking over the bureau.

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Walmart

The CFPB filed a lawsuit in December against Walmart and workforce company Branch Messenger, accusing the companies of deceptively steering delivery drivers to open accounts with Branch, in order for those employees to get instant access to their wages. However, the CFPB said these Branch accounts came with high fees and deceptive marketing, and said Walmart and Branch should return $10 million to harmed drivers. Both Walmart and Branch denied the accusations. The lawsuit was dropped by the CFPB in the first weeks of the Trump administration.

Zelle

The parent company of Zelle, the peer-to-peer payment system, as well as some of the nation’s largest banks, were sued by the CFPB late last year over accusations they failed to protect hundreds of thousands of consumers from rampant fraud on Zelle, in violation of consumer financial laws. The CFPB’s lawsuit claimed hundreds of thousands of customers lost approximately $870 million in funds to fraud over the seven years that Zelle had been in existence. That lawsuit was dropped by the CFPB in March.

By FARNOUSH AMIRI and MATT BROWN, Associated Press

WASHINGTON (AP) — Mike Waltz told lawmakers Tuesday at his confirmation hearing to be U.S. ambassador to the United Nations that he plans to make the world body “great again,” echoing President Donald Trump’s message for revamping America.

“We should have one place in the world where everyone can talk — where China, Russia, Europe and the developing world can come together and resolve conflicts,” Waltz said. “But after 80 years, it’s drifted from its core mission of peacemaking.”

Appearing before the Senate Foreign Relations Committee, it is the first time Waltz is facing lawmakers since he was ousted as national security adviser for mistakenly adding a journalist to a private Signal chat used to discuss sensitive military plans. More than an hour into the hearing, no lawmakers had mentioned the episode.

The U.N. post is the last one to be filled in Trump’s Cabinet following months of delay, including the withdrawal of the previous nominee. Waltz, a former Florida congressman, was introduced by Sens. Mike Lee of Utah and Rick Scott of Florida as “a seasoned policy mind and skilled negotiator.”

“With Waltz at the helm, the U.N. will have what I regard as what should be its last chance to demonstrate its actual value to the United States,” Lee said. “Instead of progressive political virtue signaling, the Security Council has the chance to prove its value, and settling disputes and brokering deals.”

First opportunity to ask about the Signal chat

The hearing is providing senators with the first opportunity to grill Waltz over revelations in March that he added The Atlantic editor-in-chief Jeffrey Goldberg to a private text chain on an unclassified messaging app that was used to discuss planning for strikes on Houthi militants in Yemen.

Waltz took responsibility even as criticism mounted against Defense Secretary Pete Hegseth, who shared the sensitive plans in the chat that included several other high-level national security officials. Hegseth shared the same information in another Signal chat that included family, but Trump has made clear Hegseth has his support.

Waltz was removed as national security adviser in May — replaced by Secretary of State Marco Rubio — and nominated for the U.N. role.

Trump praised Waltz in the announcement, saying he has “worked hard to put our Nation’s Interests first.”

United Nations is facing major changes

If confirmed, Waltz would arrive at the U.N. at a moment of great change. The world body is reeling from Trump’s decision to slash foreign assistance — affecting its humanitarian aid agencies — and it anticipates U.S. funding cuts to the U.N. annual budget.

Under an “America First” foreign policy realignment, the White House has asserted that “some of the U.N.’s agencies and bodies have drifted” from their founding mission and “act contrary to the interests of the United States while attacking our allies and propagating anti-Semitism.”

With America being the largest United Nations donor, cutting U.S. funding to the U.N. budget would greatly impair operations.

Facing financial instability, the U.N. has spent months shedding jobs and consolidating projects while beginning to tackle long-delayed reforms. The U.N. is also facing growing frustration over what critics describe as a lack of efficiency and power in delivering on its mandate to end conflict and prevent wars.

John Bolton, a former U.S. ambassador to the U.N. who was also national security adviser during Trump’s first term, was critical of the current state of the U.N.

“It’s probably in the worst shape it’s been in since it was founded,” Bolton, now an outspoken Trump critic, recently told The Associated Press.

Waltz accuses UN of antisemitism

Waltz painted a similar strategy to tackling the U.N. job as the previous nominee for the post, with a focus on combating China’s influence around the globe, review U.S. funding to U.N. agencies and initiatives as well as rooting out what he called deep antisemitism within the international body.

His priorities echo Trump and Secretary of State Rubio’s larger foreign policy platform, which has sought to reshape American diplomacy and worked aggressively to shrink the size of the federal government, including recent mass dismissals at the State Department.

Trump’s first nominee, Rep. Elise Stefanik, had a confirmation hearing in January and was expected to be confirmed, but Trump abruptly withdrew her nomination in March, citing risks to the GOP’s historically slim House majority.

At the time, the loss of a mere handful of seats could have swung the House majority to Democrats and derailed their recently successful efforts to enact Trump’s sweeping agenda.

Waltz is still on the White House payroll

Waltz, whose Florida House seat was filled during a special election earlier this year, has spent the last few months on the White House payroll despite being removed as national security adviser. The latest list of White House salaries, current as of July 1, includes Waltz earning an annual salary of $195,200.

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A White House official, granted anonymity to discuss personnel matters, said Waltz stayed on to “ensure a smooth and successful transition given the extreme importance of the role of NSA.”

Waltz was the first Green Beret elected to the House and easily won reelection for a fourth term in November before Trump asked him to join the administration.

Amiri reported from the United Nations. Associated Press writer Seung Min Kim contributed to this report.

By JESSE BEDAYN, Associated Press

DENVER (AP) — The murder trial of a Colorado dentist accused of killing his wife by poisoning her protein shakes and later trying to pay someone to kill the lead investigator on the case will begin with opening arguments Tuesday.

James Craig, 47, allegedly used cyanide and tetrahydrozoline, an ingredient in over-the-counter eye drops, to kill his wife of 23 years, Angela Craig, two years ago in suburban Denver.

FILE – This undated booking photo provided by the Aurora, Colo., Police Department shows James Craig. (Aurora Police Department via AP, File)

Craig has pleaded not guilty to several charges, including first-degree murder.

Prosecutors say that Craig allegedly purchased arsenic around the time of his wife’s symptoms — dizziness and headaches that perplexed doctors — and that after his initial attempts to poison her failed, he ordered potassium cyanide.

They also said Craig searched Google for “how to make a murder look like a heart attack” and “is arsenic detectable in an autopsy,” and that he tried to make it appear his wife had killed herself.

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Angela Craig, 43, who had six children with James Craig, was hospitalized several times. After the first time, she can be seen on home surveillance video accusing her husband of implying to medical staff that she was suicidal.

“It’s your fault they treated me like I was a suicide risk, like I did it to myself, and like nothing I said could be believed,” she said to her husband on the video.

After Craig’s arrest in 2023, prosecutors alleged that he offered a fellow jail inmate $20,000 to kill the case’s lead investigator and offered someone else $20,000 to find people to falsely testify that Angela Craig planned to die by suicide.

In addition to first-degree murder, Craig has pleaded not guilty to the other charges, including solicitation to commit murder and solicitation to commit perjury.

Craig’s attorneys have questioned the reliability of the inmate’s claims, said the police were biased against the dentist and that tests of the protein shake containers didn’t reveal signs of poison.

Around the time of his arrest, prosecutors said Craig was experiencing financial difficulties and appeared to be having an affair with a fellow dentist, though they have not yet described a motive in his wife’s death.

Craig remains in custody, according to jail records.

ATLANTA — Seattle’s Cal Raleigh won his first All-Star Home Run Derby after leading the big leagues in long balls going into the break, defeating Tampa Bay’s Junior Caminero 18-15 in the final round Monday night.

The Mariners’ breakout slugger nicknamed Big Dumper advanced from the first round on a tiebreaker by less than an inch over the Athletics’ Brent Rooker, then won his semifinal 19-13 over Pittsburgh’s Oneil Cruz, whose 513-foot first-round drive over Truist Park’s right-center field seats was the longest of the night.

Hitting second in the final round, the 22-year-old Caminero closed within three dingers, took three pitches and hit a liner to left field.

Becoming the first switch-hitter and first catcher to win the title, Raleigh had reached the All-Star break with a major league-leading 38 home runs. He became the second Mariners player to take the title after three-time winner Ken Griffey Jr.

“Usually the guy that’s leading the league in homers doesn’t win the whole thing,” Raleigh said. “That’s as surprising to me as anybody else.”

Raleigh was pitched to by his father, Todd, former coach of Tennessee and Western Carolina. His younger brother Todd Raleigh Jr. did the catching.

“Just to do it with my family was awesome,” Raleigh said.

Just the second Derby switch-hitter after Baltimore’s Adley Rutschman in 2023, Raleigh hit his first eight left-handed, took a timeout, then hit seven right-handed. Going back to lefty, he then hit two more in the bonus round and stayed lefty for the semifinals and the final.

Caminero beat Minnesota’s Byron Buxton 8-7 in the other semifinal.

Atlanta’s Matt Olson, Washington’s James Wood, the New York Yankees’ Jazz Chisholm Jr. and Rooker were eliminated in the first round of the annual power show.

Cruz and Caminero each hit 21 long balls and Buxton had 20 in the opening round. Raleigh and Rooker had 17 apiece, but Raleigh advanced on the tiebreaker of their longest homer, 470.61 feet to 470.53.

“One little tweak in the system and I’m not even in the next round, so that’s crazy,” Raleigh said.

Cruz’s long drive was the hardest-hit at 118 mph.

The longest derby homer since Statcast started tracking in 2016 was 520 feet by Juan Soto in the mile-high air of Denver’s Coors Field in 2021. Last year, the longest drive at Arlington, Texas, was 473 feet by Atlanta’s Marcell Ozuna.

Wood hit 16 homers, including a 486-foot shot and one that landed on the roof of the Chop House behind the right-field wall. Olson, disappointing his hometown fans, did not go deep on his first nine swings and finished with 15, He also was eliminated in the first round in 2021.

Chisholm hit just three homers, the fewest since the timer format started in 2015.