02/25/2014
https://congress.gov...
"Why wouldn't the next Director, with a politically-different persuasion, not abuse his or her powers with the precedent you have set?"
"Are those legally enforceable, though? Is that guidance legally enforceable?"
"We have other regulators that have been doing this stuff for 100 years, and your approach at the CFPB is novel."
"Well, that, 'help,' has had a negative effect on consumer protection."