In reaction to your nation’s biggest economic challenge since the depression,[1] Congress enacted the Dodd-Frank Wall Street Reform and customer Protection Act (the “Act”),[2] which in change developed the customer Financial Protection Bureau (the “CFPB”). The objective regarding the CFPB would be to make certain that “markets for customer lending options and services are reasonable, clear, and competitive.”[3] The Act forbids unjust, misleading, and abusive acts,[4] and charges the CFPB with producing guidelines and enforcement actions against all covered persons that engage in a “unfair, deceptive, and act that is abusive practice.”[5] The Act additionally calls for that the CFPB regulate customer disclosures and test customers to observe how those disclosures are working.[6]