Companies, Student Loans, mortgage companies. This organization, the cfpb, has had some major victories. For instance, last year fined wells fargo 100 million after it was discovered many employees were secretly opening bank and credit card accounts not authorized by customers. The bureau and the law that created it has been a major target for republicans who blame dodd frank for Rising Bank Fees and a decline in Smaller Banks lending to local businesses. I want to have more of a conversation about this. Bring in as i promised you former democratic congressman from massachusetts barney frank, the frank in dodd frank. While a congressman. He coauthored the 2010 wall street, dodd frank wall street reform act establishing the Consumer Financial Protection Bureau. Sir, good to see you. Thank you for being here. Thank you. What are the criticism republicans have had since day one of the cfpb that it is not accountable to congress, that it is not bipartisan that it is partisan, and that its