Richard Shelby actually said...

I share your outlook on that, Senator, and I have talked repeatedly to community bank groups and credit union groups.

if the Bureau can easily ignore a statute, it raises the more serious question of whether Congress or the Bureau has the final say over what...

the new disclosure... would be difficult to calculate and explain to consumers, would not likely be helpful to consumers, and may distract c...

I do not believe you can change that by a rule.