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- W3122133375 abstract "There has been much debate over the Consumer Financial Protection Bureau’s lack of executive and congressional oversight: its single director removable only for cause and its operations are not subject to appropriations. This paper explains how this very leadership and accountability structure — intended to politically insulate the agency — had the perverse effect of politicizing it. Since Director Cordray’s departure, there has been increased regulatory uncertainty, discouraging financial innovation and harming consumer welfare. This paper recommends that Congress restructure the Bureau into a multi-member, bipartisan commission to provide industry regulatory predictability and ensure that consumer protection retains its independent seat in the financial regulatory system." @default.
- W3122133375 created "2021-02-01" @default.
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- W3122133375 date "2019-01-01" @default.
- W3122133375 modified "2023-09-26" @default.
- W3122133375 title "Commissioning the Consumer Financial Protection Bureau" @default.
- W3122133375 hasPublicationYear "2019" @default.
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