Thanks Karen, for a well crafted, insightful, fact filled distillation of a lawless government run amok. Unfortunately, you've waded into an irrational debate filled with pseudo science and policy wonkiness being passed off as 'data' by PEW, the 'consumer advocates' and in some cases, the CFPB itself (who remarkably touts themselves to be a "data driven agency") then whipped into a froth of perverse "through the looking glass-esque" justification by certain media outlets. While some bells may never be unrung, and some wrongs never fully compensated, one can only hope this election season will see the parachuting cats so badly needed to restore some semblance of a free market and appropriately regulated capitalism.