crafted with that in mind, ali. lenders are not allowed to make loans borrowers cannot repay. they've got to verify and document a borrower's income and savings. they also can't steer people into high-rate loans when they qualify for lower rates. and it limits the penalties for paying off your mortgage early. ali? >> and finally, one of the big parts of this bill is this consumer protection agency. tell us a bit about that. >> absolutely. it's the signature piece of this law, and it will probably have the most impact on you and me, the consumers. the agency's goal is to make sure that financial products are easier to understand. and this agency is going to be making rules for years to come. so the best way to sum up the significance, it is the first time in a long time that someone has got a full-time job looking out for us, ali. >> all right. that's good. and it is very complicated over your shoulder. you've got that page up on cnn money.com. there is some fantastic explanations on there, and i kind of urge so many of you out there to go out there and take a