arbitration by -- the consumer final protection bureau or cfpb was created back in 2008. the bureau was charged with looking at these clauses in response to debt collectors like payday lenders and the student loan companies. set to go into effect. but congress used its 60-day window of congressional review and nixed it last night. this rule and the cfpb itself were put in place by the dodd/frank act. a response to 2008 crisis. and many say that the recession is what precipitated by the gutting of the glass/steagall act. a response to the great depression. i mean, if you think about this for a moment, yes, republicans are going to say to you, well, this is going to protect small and mid-sized banks from all