It is very easy to point fingers at people who have chosen shopping spree as a way of life when it is about consumer debt. However, the real reason behind Americans getting caught in financial trouble and seeking payday loans online is not in any way related to the inability to resist temptation. It is in fact a matter of medical debt.

As per the Kaiser Family Foundation (KFF), there are over a quarter of Americans who struggle to pay their medical bills. This even includes those who have insurance, whether through an employer or independently. As a matter of fact, the No.1 reason of personal bankruptcy filings is medical debt and in 2014, approximately 40% of US adults ran into debt as a result of medical issue.

However, the shocking part is not that Americans have a hard time dealing with medical debt, but it is the extent at which even insured individuals struggle. The New York Times had reported last year that an estimated 20% of Americans under the age of 65 with health insurance had a lot of trouble paying their medical bills. Of those, 42% took up an extra job to cover their expenses and 62% claimed that most or all of their savings were used up to tackle healthcare costs.

Health insurance is not a surefire way to prevent Americans from falling victim to medical debt. But, you can take steps to build an emergency find so that you can safeguard yourself from unanticipated bills.

Emergency fund can offer relief

Not having enough savings to cover the unexpected costs is one of the main reasons why a lot of people get into medical debt. As per the GoBankingRates survey, sixty-nine per cent of Americans have less than $1,000 savings while 34% do not have any money in the bank.

Fortunately, there are things that you can do to have adequate savings. To start with, you can create a budget to track your spending accurately and also find ways to cut corners. Then, you can decrease spending from all categories that are not essential living costs, such as restaurant meals, leisure and even cable.

But, if that does not do the trick, you will have to make more significant changes like, unloading a vehicle, downsizing your living space or working a side job for the generation of extra income.

Bankruptcy creates future problems

It is best to avoid filing for bankruptcy because it is going to stay on your record for ten years. During this time, you will face a lot of difficulty finding an apartment to rent, secure an auto loan or even finding a job. Another thing about bankruptcy is that it takes a lot of money to file for bankruptcy. This is because the bankruptcy codes are quite complicated. You will have to hire a lawyer and also take care of any filing fees that you might incur along the way.

Moreover, there is really no distinction between filing for bankruptcy due to reckless spending or medical debt. Regardless of what it happened, bankruptcy filing is going to remain as a black mark on your record.

It might look tempting to fallback on the option of bankruptcy when your medical bills go out of control, but it is better to save up for a rainy day to help you cover the expenses. You can also closely analyze your health insurance plan and see if it would make sense to opt for a more comprehensive coverage.

Another great way that you can save some money is by not ignoring your health issues in its early stages. This is when health conditions are least expensive and easiest to treat.

Do not overlook the Social Security bonus

Retirees often tend to overlook their $16,122 social security bonus and they fail to include it as a part of their retirement savings. All you have to do is learn the tricks of how to unlock the Social Security benefits. If that also does not work, you always have payday loans online to rely on.

Have you ever wondered what is the value of financial security? Can an amount be actually added to an abstract factor like financial security? In this day and age of people literally loaning themselves money to survive, desperate people, taking cash advance in order to be able to pay bills, financial security does seem worth an awful lot. If you are head of an organization, you might be wondering exactly how much your fiscally protected workers’ worth is to your organization’s bottom line? Is their financial security a factor that improves productivity as much as it improves their life? This abstract question may soon enough have an answer and organizations will be enabled to solve it.

Financial Finesse is an organization dedicated to improving workplace wellness. They are always on the lookout for creating methods that can tackle such abstract concepts, asking questions like, ‘is it worth it’ in order to truly value the importance of certain workplace practices. Their team of analysts and developers said that it has come up a new prognostic return on investment model, a scientific approach that accurately gives descriptions of exactly how much a worker’s economic state is possible to effect both in a good or bad way, their company’s bottom line in important zones such as nonattendance or absenteeism along with other important factors. Absenteeism is absolutely condemned in any organization and it was important to incorporate that factor in. Another crucial factor is salary garnishments – in the event of an employee falling under heavy debt, the court may place an order which forces the borrower’s organization to pay the lender his or her salary for the month. Since this is a court order, the organization is forced to comply without considering factors like the employee’s performance that month or whether or not he or she deserves to be fired for bringing on such problems for the organization. Another chief area Financial Finesse focuses on is the factor of benefits involvement.

That might come tremendously handy as an economic pressure in the office rises, it has a severe effect on an employee’s psychological and bodily comfort. Such stress can also cause major defects to the standard of work they can produce at work. Employers speculating the amount of money it could be costing their businesses, finally have a way of figuring it out.

The Financial Wellness Score has attempted to make this abstract calculation possible for companies to set a standard and calculate the return on investment related to refining workers’ levels of economic well-being. A state of wellness where a worker has minimal or no economic pressure along with savings funds to squash any unforeseen costs and a carefully designed strategy in place to achieve any targets in the future.

The return on investment model delivers businesses of variable scopes a procedure to set program standards, being able to determine the amount of savings that can be made through effective cutting down of costs, rank target worker populations and keep a record of development and actions over a period of time, in order for human resources and welfares teams to set quantifiable program targets and quantify the influence their financial well-being agendas have on the business’s bottom line.

The detailed study and analysis discovered that workers in the anguish and stressed groups affect their companies’ bottom line at an excessively high rate, be in the region of a yearly charge to the company of $198 and $94 for each worker, respectively. Workers with advanced economic well-being levels cost the organization less. In these desperate times where attaining services like cash advance has become many people’s last resort, it is important for organizations to act wisely.

The passing of Dodd-Frank Act under the Obama government came as a blow to banking and financial services industry, especially to e-payday loans online in 2010 after the recession. Because of which the compliance burdens were created which made it difficult for the U.S. companies to compete with the foreign counterparts.

The banking and financial services are all set to benefit from the Trump rule. Finally, there is someone from the business side to look at the financial soundness and implications of the decisions on the business world. The unbelievable victory of Trump over Clinton has resulted in the key branches such as legislative and executive under the Republicans. Democrats and Ex-President Obama were not in favor of few regulations which will now be controlled by Republicans.

As is already known that Trump has been relatively quiet on his plans for banking policy, but he has already mentioned he wants Dodd-Frank act should be dismantled. Also, not only the act but much of the financial regulatory structure could be turned upside down, says Justin Schardin, the director of Bipartisan Policy center. Additionally, a lot of that decision also rests on who would be nominated for vacant positions of Federal Reserve, the Federal Deposit Insurance Corporation (FDIC) and Treasury Department.

What is financial regulation plan of Republicans?

Republicans already have a blueprint of the financial policy they would want to follow regardless of the Trump nominees. The mentioned blueprint is Financial Choice Act which seeks to undo many major provisions of Dodd-Frank.

The Director of financial regulation studies at Cato Institute, Mark Calabria is certain that Financial Choice Act will come back in next congress. This act was introduced by Representative Jeb Hensarling, who leads House Financial Services Committee. Calabria says that the bill is as is very comprehensive but some points; including community banking relief could likely pass.

A longtime industry representative who asked not to be named feels that the Financial Choice Act would yield significant benefits for banking. Also, he thinks that the largest financial institutions would get relief with the provisions to repeal the Durbin amendment and Volcker rule.

The Consumer Financial Protection Bureau (CFPB) funding and structure is likely to be reformed by Hensarling bill. CFPB is frequently lambasted by Republicans to make it less powerful.

Are these the best odds for community banking relief?

Well, Under the Trump leadership community and regional banks have the best odds of regulatory relief. Some prominent banking position holders think so. According to Paul Merski, the executive vice president at Independent Community Bankers of America, having the same party in control of congress as well as White House predicts that community banking relief will get passed. Also, he thinks that there is a better scenario for legislation to move through entire congress and get signed by president into the law.

The similar sentiment is echoed by Senator Mike Crapo heading the powerful Senate Banking Committee. As he hails from Idaho, a state far away from Wall Street, he is widely expected to back the legislation that would benefit smaller institutions.

Additionally, few Democrats including Senator Sherrod Brown from Ohio who is the ranking member on the Senate Banking Committee have embraced the idea of providing regulatory relief for community banks.

All in all future of the banking sector as well as financial services industry seems brighter. It will help the e-payday loans online to compete with their foreign players fairly without the legislative burdens the current financial policy imposes on them.

As things stand right now, there are millions of American consumers who have subprime credit scores, or bad credit. If you are one of those folks it may be tempting to believe that you have to simply deal with your low credit score, until it starts to improve over the years. There are, however, some steps that you can take to improve your credit score a little faster. One of those things is – believe it or not – getting a new credit card.

Most people know that they have to use lines of credit and make prompt payments to improve their credit scores. Some of these people also believe that they have to settle for whatever terms credit card companies offer them. In other words, people with bad credit often settle for bad credit cards. This is not the way that you should handle the process of rebuilding your credit score. Just because you’ve had credit problems in the past that does not mean you have to settle for a credit card with terrible terms.

Here are some things you should look for when opening a new credit card when your credit score is low:

Make sure it is a card that will improve your credit score!

People often get new lines of credit, use the credit properly and pay their bills on time and then they find that the account activity is not even being sent to the credit bureaus. That is like doing a lot of hard work and never getting any kind of payoff. Check with credit card issuers to make sure the card you apply for reports activity back to the major credit bureaus, like Equifax, Experian and TransUnion. You don’t want to spin your wheels on cards that won’t help you rebuild your score, so don’t waste your time applying for any credit card that doesn’t provide you with this perk.

Choose a Credit Card with Affordable Fees

Many times, people with bad credit wind up stuck with credit cards that charge expensive fees. The last thing you want to do is pay too much for the card you use regularly. Look for a credit card with no annual fees. If you cannot get one, then don’t pay more than $30 or so for a secured credit card. If you have bad credit, expect balance transfer fees to be between 3 and 5 percent. Don’t use a credit card for balance transfers if the cost is any more than 5 percent. And look out for “extra” fees. Some credit card companies try to hit consumers with maintenance fees, processing fees and other added costs that you simply shouldn’t have to pay.

Move from Secured to Unsecured

Many people with lower credit scores find that they have to start off the process of rebuilding their credit by opening secured lines of credit. This is sometimes a necessary evil, but if you have had a lot of problems with credit in the past, you may have to use a secured card for a while. Make sure, though, that the secured card you choose to open lets you graduate to an unsecured card in the future. When you open a secured credit card, you have to pay a deposit. The ideal credit card in this type of situation would allow you to open the account, check your credit activity for improvements over time and then to get your deposit back as you progress to an unsecured account. This can be a confusing process, so you may want to speak with a customer service representative to make sure this option is available to you.

Keep these tips in mind as you work toward building a higher credit score and a more promising financial future.

There are always groups that want to get rid of things that other people find beneficial or even enjoyable. Back in the days of prohibition, it was the Temperance Movement that fought long and hard to keep people from enjoying an adult beverage from time to time; because they thought they knew what was best for everyone. A couple of decades ago, Al Gore’s wife and a handful of other Washington Wives decided to take the fun out of rock ‘n roll, and tried their hardest to get this form of music regulated or even banned.consumer-financial-protection-bureau-logo
Today we have the Consumer Financial Protection Bureau (CFPB) and other proponents of the Nanny-State, who think they know what is best for lower income, unbanked and other people in this country. They are diligently pushing forward to introduce regulations that would force payday lenders and other providers of short-term, small-dollar loans to jump through hoops and bow down to the federal government in order to stay in business.
On the one side, you have people who love meddling about in other peoples’ business, and on the other you have the people who make a living from this industry, and who champion the idea of a truly free market. Many proponents of the CFPB are predicting nothing short of total annihilation for the payday lending industry. They believe that the regulation that the CFPB recently unveiled will spell the end for short term consumer lending as we know it.
What if they’re right? What would a world without payday loans – or at least a country where they are effectively over-regulated into nothingness – really look like?
Sure, some might be glad to see the local cash advance locations close up shop. They might think the neon signs and advertising is out of hand. They might be glad to see online payday lenders forced to take their advertisements off the Internet. Of course, these are the same folks who will find some other industry to attack next, so there’s that to consider.payday-loans-61
If payday loans are over-regulated to the point of extinction, here’s what will happen:
Thousands of people will lose their jobs/livelihoods. There are real, living, breathing human beings that rely on their paychecks from payday lending companies to keep their families fed and to keep a roof over their heads. If the CFPB and their cronies have their way, these folks will be forced out of their jobs and left pounding the pavement to find a new source of income and benefits.
Poor people, underbanked and unbanked folks will have to go without when they need emergency cash for unexpected expenses. There are literally millions of people who have bad credit, lower incomes and no ability to get loans or lines of credit from other institutions. How will these people – some of the most severely financially at-risk households – get money to fix their cars, pay for their kids’ dental work or even buy groceries to tide them over between paydays?
The federal government will have proven that they can step in and override the sovereignty of state laws in one, fell swoop. There are already laws on the books in various states that govern the payday lending industry; some quite successfully. If the CFPB is able to hand out a mandate from on high, the laws and policies that states have worked hard on – and spent hard-earned tax money on – will be thrown by the wayside. This is something that citizens of every state need to consider very seriously.
So, some folks may be just happy as clams to see an industry that they don’t care for eliminated, there are some very serious repercussions that must be considered prior to allowing the new payday lending rules form the CFPB become a federal law.

Proposed Payday Lending Restrictions will likely cause harm to Lower Income Households
If you read articles written by most mainstream writers or listen to election speeches from “progressive” candidates, you’ll probably find out that most of these folks detest payday loans. You’ll hear a lot about “cycles of debt”, “high interest rates” and lenders that are “predatory.” As it usually turns out with these sorts of things, most of the information you get is nothing short of hyperbole or click-bait. And here’s what some of these so-called “experts” and “consumer advocates” are not telling you: The latest batch of proposed payday lending regulations will probably cause a lot of grief for lower income households.
The bandwagon against payday loans has reached such a boiling point that Google has removed all ads for payday loans from its popular online ad network. This is the same Google that has no qualms about running ads for any number of scams, including tons of weight loss “miracle” systems that usually turn out to be nothing but snake oil in disguise. But the search engine/advertising giant has decided to toe the line when it comes to payday loans, by flat out banning ads for these popular types of loans.
With all of this going on, it should come as no surprise that the Consumer Financial Protection Bureau has finally come forward with the new regulations on the payday loan industry that they have been threatening for the better part of the last year. All of the groups, individuals and institutions that are opposed to short term loans have been overjoyed about the new rules. But a huge group of people (according to some studies, more than 12 million American households) are not going to be doing any celebrating if these proposed regulations wind up becoming federal law.
While the CFPB is not actually banning payday loans, the main idea behind the crafting of the new rules is to force lenders to make sure that all borrowers are able to pay back their loans on time. So, what’s wrong with that? Well, even though some people may not like payday loans that does not mean that these loans do not help people. As we said, nearly 12 million people rely on these loans during any given time of the year, and that number may actually be increasing.
It is easy to believe that the majority of payday loan customers are people who have no access to mainstream credit. However, as more people find that their pay schedules at work don’t exactly jibe with their financial needs, more people may require payday loans to help them get through in between pay periods at work. In fact, some big financial investors are investigating ways to offer payday loan-like products and services to everyone who is gainfully employed. Even Uber is getting in on the game, by announcing company plans to allow their drivers to get payday advances of as much as $1,000. And other new offerings may soon be coming that allow employees to get payday advances through cooperative efforts with their employers and new lending methodologies.
Here’s what it comes down to: For all of the “progress” that the CFPB is offering, they may be a day late and a dollar short. Just like other government initiatives in the past, this crackdown on payday lending may be another case of the federal government attempting to introduce regulations to an industry that is already on the cusp of great changes. And to make matters worse, the regulations will probably limit access to lines of credit to lower income people, right when those same loans begin to become more accessible to just about everyone else.
Make no mistake – the regulations will cause people to go without. The CFPB says that by increasing lenders’ costs, they would reduce the total dollar volume of payday loans by more than half. So where will all the money that would have normally gone to borrowers go? Could be that those dollars will wind up in the wallets of borrowers who lenders are able to identify as being less of a risk. Kind of sounds like a case study of poor/lower income households being marginalized and punished, doesn’t it?

dollar-squeezeSometimes the regular pay check just doesn’t stretch as far as it should. Many times we find ourselves staring at an unexpected expense, without enough money in the bank to pay for it. It’s just these types of situations that lead many people to go online to take out payday loans. If you suspect that you need to get some fast cash in the bank, and plan on taking out a payday loan to get that money you are currently in need of, this post should help you to sort out all the facts to make a smart choice for your upcoming online borrowing needs.

Your Payday Loan is an Unsecured Loan

Not all loans are created equal. For example, some loans are secured loans. This means that you have to offer your personal property – vehicles, homes, etc… – as security on your loan. When you take out an online advance cash loan, however, you are getting what is called an unsecured loan. You don’t have to put your property on the line as collateral for these types of loans. Since most payday loans are smaller than the traditional bank loans that you might be familiar with, there is no need for you to offer up any security to your lender.

Cash Loan Bad Credit FACTS

Bad credit can be a hindrance to you in many areas of life. There are even some people who are finding that they can’t land their dream jobs because their potential employers won’t even hire new employees with low credit scores. You can breathe easy when you apply for an online payday loan, though, because lending companies do not require you to submit a credit check. To make a long story short, your lower credit score will not stop you from getting loan approval online.

Advance Cash Loan: Cash Loan Review Websites

You must be careful when using online reviews to find your advance cash loan. There are many loan review sites that are nothing more than advertising portals for popular lenders. We take a different route on this website and offer you the ability to submit your loan request to a large network of lenders. Every lender in this network is known for offering professional lending services to their clients. If you have any doubts about the lenders you find on those review sites, you’ll be glad to know that you only work with the top lenders when you apply for your loan here.

How Much Can You Borrow on a Payday Loan?

You can borrow between $100 and $1500 when you take out an online cash loan. Choose wisely to get enough money to take care of expenses without overextending your bank account too much on your upcoming payday.

When Should You Pay Back Your Payday Loan?

Advance loans, like other loans you take out, should always be paid back on time. You should pay back your online lender two weeks after you receive your loan money. This allows you to avoid accruing extra debt and prevents additional loan fees form kicking in.

Here’s your direct line to a successful payday loan online

You are now aware of some very important facts about finding a lender and getting an advance loan online. When you get your loan money you can use it to pay for any expense that you want to pay for. Your payday lender will never ask you to justify why you need to borrow money. And you can actually get the loan process going right now by filling out the secure, online loan application form that is located on this very website. This is your fast, secure portal to the best payday lending companies doing business today.

While there are plenty of streaming content providers doing business today, Netflix is still considered the pioneer of the industry and the gold standard. They pretty much saw a need, created a market and fulfilled the need. And all the while, they have managed to stay on top and to become a household name. In the beginning, Netflix was a mail delivered movie rental company. It began to drive traditional VHS/DVD rental companies out of business. Then Netflix started streaming movies, shows, documentaries and other content. That is when the game changes forever. These days Netflix is in a spot that a lot of other companies envy, but it does face challenges down the road.
To handle some of its unique challenges, Netflix has reduced its U.S. catalog due to content rights becoming more expensive. But at the same time, the company has purchased the rights to international content, in order to provide its subscribers around the world with new content. They have also started funding their own original series; much to the delight of their huge base of existing and brand new subscribers.
Knowing where Netflix is heading is nice, but knowing what its customer-base thinks about its future is really eye-opening. A survey was conducted that asked 3,000 people about their thoughts about Netflix and how it compares to other entertainment content providers.
The Epic Battle of Netflix vs. Pay Television
Cable and satellite TV providers have long had a stranglehold on the viewing market. And even though Netflix offers people the ability to cut the cord with traditional programming packages for good, there are still plenty of Netflix subscribers who still use traditional pay TV. It might seem like traditional pay television is Netflix’s biggest competition. However, the CEO of Netflix said that other streaming service providers, like HBO, are the biggest threat to this still-growing empire. That’s all well and good, but Netflix users do not agree with this statement. In fact, they see cable TV and Netflix as being diametrically opposed with one another. And these folks believe that Netflix will ultimately come out on top.
Will Netflix Kill Off Traditional TV?
People who have ditched cable or DirecTV in favor of Netflix often wind up saving a lot of money every month. With traditional TV packages often costing nearly $100 a month, and people often only using a fraction of the channels they get, it is easy to understand why the financial incentive of choosing Netflix is driving people to get rid of cable once and for all. Some people think that there’s no way Netflix will totally eliminate traditional TV programming, because of sports, local news broadcasts and other live forms of entertainment/information that people still adhere to. If we remember back to the beginning of Netflix, it was a company that simply delivered rental DVDs by mail. Now it has morphed into a streaming content giant. There is no saying that as the marketplace changes that Netflix – or some other streaming content provider – will not become the streaming source for the type of live programming that people enjoy.
Regardless of whether you think Netflix will destroy cable and traditional TV, if you are looking to save money and don’t feel like you really get your money’s worth out of your old-school cable package, it may be time to cut the cord and switch over to a streaming content provider to get access to your favorite programming and movies. In the future, we may well find that we live in a world where cable companies are yesterday’s news, and streaming providers are the top dogs.

People often daydream about starting their own business. This country, regardless of what people might say, is still dependent upon small businesses doing well. The best small businesses will ultimately grow and may become huge corporations. Think about Facebook. Not that long ago it was a basic college social website. Today, it is global and rakes in billions. Now, not every small business owner will wind up being the next Mark Zuckerberg. But being your own boss, even if your company is a small one, is still a great way to make a living.
The problem is that every business requires a bit of money to get started. Without capital, it is difficult to get even the best idea or the most promising small business off the ground. And it is even harder to start your own business if you have bad credit. In fact, some people give up on their dreams of starting their own businesses because they have low credit scores. If you have bad credit and think that starting a business of your own is just a pipe dream, you may want to rethink things. In fact, there are things that budding entrepreneurs can do to get business loans even if they have bad credit.

The first thing to do is to figure out how much capital you need to get started. People often fail to qualify for small business loans because their credit doesn’t cover the amount they need to borrow. Cut corners where you can and don’t ask for a dollar more than you need for start-up costs. In other words, cut any frills that you have planned for your new company, and start off with the bare bone necessities. That way, you can ask for less money and improve your chance of getting a business loan.

There are government loans available for people who need less than $35,000 to start a business. The government guarantees these types of loans, which makes lenders more willing to provide financing, even for business owners who have less than perfect credit scores. The Small Business Administration (SBA) can give you a list of lenders that you can hit up for a business loan. Stop by the SBA office in your town to get more information and guidance on getting a small business loan with bad credit.

Consider alternative lending. Unless you need a ton of cash to get started, you may be able to get the money you need for your new business from a lender other than a traditional bank. There are lots of small business opportunities for janitorial companies, caterers, carpet cleaners and a whole host of other small businesses that can get up and running on a couple of hundred to a couple of thousand dollars. Payday lenders and flex loan providers do not run credit checks, and they specialize in smaller dollar loans. Of course, these types of lending companies require you to have a regular source of income, so continue working at your day job until you get your new business moving in the right direction, and only after you’ve paid back your small cash advance loan, so you can avoid paying extra fees.
The best thing you can do if you dream of starting a business is to stay determined, trim startup costs, and to stay the course. Bad credit can make the entire process a bit more challenging. But if you remember the tips that we shared with you in this article, you should be able to get a small business loan to help you get things moving in the right direction.

It has been about five years since the Consumer Financial Protection Bureau (CFPB) officially began. From its lackluster early years to its recent promises to “reform” the financial industry, this organization has not been a stranger to controversy. The group is looking to ramp up its efforts to implement changes to the financial industry even more in the future.consumer-financial-protection-bureau-logo

According to the Director of the CFPB Richard Cordray, “By pursuing the goals of evenhanded oversight, appropriate law enforcement, fair rules, expert research, and broad-based consumer education and engagement, we have been working to restore trust and confidence in the markets for household financial products and services. As we do that more and more, we can see that we are succeeding in delivering tangible value for consumers.”

Cordray promises that the CFPB will use these objectives to form a foundation for the future, and has set up nine steps the bureau will stick with in order to do so. Cordray went on to explain, “They are statements we are making about particular outcomes in particular markets that we want to drive toward fulfilling, rather than descriptions of what tools we plan to use. So strategy starts with what we want to see in the marketplace, which then can guide us in selecting the tools most appropriate for the task.”

Here is an overview of the nine steps the CFPB plans on using:

Commenting on the big picture created by these nine steps Cordray said, “As we look ahead and work toward the primary goals we have set for ourselves, I believe these are also important characteristics of our work together at the Consumer Bureau.”

On paper, all of these steps sound reasonable, and even positive. However, it remains to be seen if Cordray and his staff can pull these things off without placing undue scrutiny and penalties on some service providers. Can this organization effectively “overhaul” the financial industry without forcing some financial service providers out of business, and creating financial vacuums in the marketplace that would effectively leave consumers with fewer choices on how to handle their money? The answers to these questions will become more apparent as this organization continues to do what it does. As this happens, though, we all have to wonder whether or not the CFPB has consumers and providers best interests at heart or if it is using its nine step plan to further its own agenda and that of the current presidential administration.

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