Patrick Toomey actually said...

So what does the bulletin do then? What is the purpose of the bulletin if it is not to provide any additional definition or clarification?

So are you saying the bulletin just says that which is illegal is illegal?

My reading of Dodd-Frank Title X grants the CFPB authority to use rulemaking for this purpose.

Doesn't everything we ever learned in economics tell us that committees cannot figure out prices? Markets tell us what prices ought to be.