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once upon a time, the economy blew up like somebody threw a fragmentation grenade into it. that happened because of irresponsible behavior by wall street, a deregulated wall street making itself very rich by doing risky things with billions and trillions of dollars with other people s money. after the crisis, democrats and congress passed the wall street reform bill, one component of the reform bill they passed was a consumer protection agency for financial stuff. the government had long taken the position if you buy a toaster or curling iron in the united states, it shouldn t be one that burns your house down. add have kalts argued people s mortgages and student loans and credit card agreements shouldn t burn you down either, and so the consumer financial protection agency was born.

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