Yet the CFPB continues to be selective in its pursuit of companies targeting vulnerable consumers with unfair, deceptive, abusive and predatory short-term credit products. Despite years of tough talk, the Bureau allows government-insured depository institutions to hide their overdraft credit programs behind Reg DD (Truth in Savings), depriving customers of the protections required of all other lenders under Reg Z (Truth in Lending), including disclosing when a debt is incurred, the amount of the debt and the cost of the debt expressed as an annual percentage rate.