Eyes On: CFPB, Consumer Financial Protection Bureau What is the CFPB? From their own website: https://www.consumerfinance.gov The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. If you're a dumb American like me, there are some times you cannot pay off the entire balance of your credit card every month due to hardship or whatever. Ever wonder if banks calculate the interest or applies payments fairly?  I did.  So, using my own stuff, I can prove at least one big bank does not.   But, where to file the complaint? https://www.consumerfinance.gov/complaint/ Then there's this: https://www.scotusblog.com/case-files/cases/seila-law-llc-v-consumer-financial-protection-bureau/ Seila Law LLC v. Consumer Financial Protection Bureau Issues: (1) Whether the vesting of substantial executive authority in the Consumer Financial Protection Bureau, an independent agency led by a single director, violates the separation of powers; and (2) whether, if the Consumer Financial Protection Bureau is found unconstitutional on the basis of the separation of powers, 12 U.S.C. §5491(c)(3) can be severed from the Dodd-Frank Act. And this: https://www.oversight.gov/report/frb/open-recommendations-made-bureau-consumer-financial-protection-1 And This: https://www.federalreserve.gov/newsevents/pressreleases/bcreg20191031b.htm October 31, 2019 Agencies announce dollar thresholds in Regulations Z and M for exempt consumer credit and lease transactions Board of Governors of the Federal Reserve System Consumer Financial Protection Bureau Based on the annual percentage increase in the CPI-W as of June 1, 2019, the protections of the Truth in Lending Act and the Consumer Leasing Act generally will apply to consumer credit transactions and consumer leases of $58,300 or less in 2020. However, private education loans and loans secured by real property (such as mortgages) are subject to the Truth in Lending Act regardless of the amount of the loan. Although the Dodd-Frank Act generally transferred rulemaking authority under the Truth in Lending Act and the Consumer Leasing Act to the Bureau, the Federal Reserve Board retains authority to issue rules for certain motor vehicle dealers. Therefore, the agencies are issuing these notices jointly. Bottom line. It is time we "Dumb Americans" weren't so dumb.  We need to wake up on all fronts.  These Dodd-Frank types of folks are proving to be untrustworthy. Or, at least, "Trust, But Verify".