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In the wake of the global financial crisis of 2007-2009, Congress introduced the Dodd–Frank Wall Street Reform and Consumer Protection Act. This new sweeping legislation was created to improve the regulation of financial markets and established the Consumer Financial Protection Bureau (CFPB), the mission of which is to: “make markets for consumer financial products and services work for Americans — whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products.” The CFPB is intended to provide a single point of accountability for consumer financial protection, a role previously shared by seven — that’s right, seven! — federal agencies.

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