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City of Sanford, in which the court ruled against a retired firefighter who wanted to sue her former employer for reducing health care benefits for disabled retirees.

Times staff writers Lauren Ng and Karla Marie Sanford contributed to this report.

Staff writer Karla Marie Sanford contributed to this article.

Times staff writer Karla Marie Sanford contributed to this report.

Since its inception, taxpayers spent $7.6 billion on the CFPB, but the Bureau returned $21 billion to consumers — about $2.76 for each dollar spent, said Mallory SoRelle, an assistant professor at Duke University’s Sanford School of Public Policy and the author of Democracy Declined: The Failed Politics of Consumer Financial Protection.