The bad actors in question have been building their networks for centuries and fortifying their underground financial institutions. Do u think bringing in reforms to guard against them will happen in five years, and that you've got enough perspectives to reverse the unintended consequences that you sprinkled through your article like salt? Unintended consequences happen they are not planned! Your use of the phrase creates more panic than you let on! Did you ask the CFPB for their road map? What they are trying to achieve and where they are? Did you asked them whether your projections are more or less on point and if so what mitigation strategies they have planned?

Open your eyes to the harsh realities of the consumers for whom you are trying to reverse their course in favor of the financial institutions contagion you have been accustomed to. Reforms are the way to go for a long while I hope. If you truly want to change the way things work for us both (consumers and businesses) in a good way then you need to restore social responsibility, start by restructuring our business culture. That kind of programming cannot happen overnight! Have faith and stay the course. The unintended consequences you speak of - did you see the affects of pre-CFPB outside of America? Wake up and smell the coffee burning honey? It's a lot more hellish than you think!

Relax and enjoy the ride. No need to begin the negative campaign rhetoric or contribute to it just yet!