|
|jurisdiction = United States |headquarters = Washington, D.C. |employees = 945 |budget = US$447.7 million |chief1_name = Richard Cordray |chief1_position = Director |chief2_name = Steven Antonakes |chief2_position = Deputy Director |parent_agency = |keydocument1 = Dodd–Frank Wall Street Reform and Consumer Protection Act |website = |footnotes = }} The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector. Its jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services , debt collectors, other financial companies operating in the United States. The CFPB's creation was authorized by the Dodd–Frank Wall Street Reform and Consumer Protection Act, whose passage in 2010 was a legislative response to the financial crisis of 2007–08 and the subsequent Great Recession. ==Role== According to Director Richard Cordray, the Bureau's most pressing concerns are mortgages, credit cards and student loans.〔〔 It was designed to consolidate employees and responsibilities from a number of other federal regulatory bodies, including the Federal Reserve, the Federal Trade Commission, the Federal Deposit Insurance Corporation, the National Credit Union Administration and even the Department of Housing and Urban Development.〔(Bureau of Consumer Financial Protection ), topics.nytimes.com Updated: Dec. 8, 2011〕 The bureau is an independent unit located inside and funded by the United States Federal Reserve, with interim affiliation with the U.S. Treasury Department. It writes and enforces rules for financial institutions, examines both bank and non-bank financial institutions, monitors and reports on markets, as well as collects and tracks consumer complaints. Furthermore, as required under Dodd-Frank and outlined in the 2013 CFPB-State Supervisory Coordination Framework, the CFPB works closely with state regulators in coordinating supervision and enforcement activities.〔(【引用サイトリンク】title= Joint CFPB-State Supervision: No one is below the radar )〕 The CFPB opened its website in early February 2011 to accept suggestions from consumers via YouTube, Twitter, and its own website interface. According to the United States Treasury Department, the bureau is tasked with the responsibility to "promote fairness and transparency for mortgages, credit cards, and other consumer financial products and services". According to its web site, the CFPB's "central mission...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".〔(【引用サイトリンク】title=Learn About the Bureau )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Consumer Financial Protection Bureau」の詳細全文を読む スポンサード リンク
|