protection bureau, which was one of the central aspects of financial reform, will empower all americans with the clear and concise information they need to make the best choices, the best financial decisions, for them and their families. never again will folks be confused or misled by the pages of barely understandable fine print that you find in agreements for credit cards or mortgages or student loans. the bureau is going to crack down on the abusive practices of unscrupulous mortgage lenders. it will reinforce the new credit card law that we passed, banning unfair rate hikes, and ensure that folks aren't unwittingly caught by overdraft fees when they sign up for a checking account. it will give students who take out college loans, clear information and make sure that lenders don't game the system. and it will ensure that every american receives a free credit score if they are denied a loan