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Large variety of small dollar personal, auto, and Small Business loans, as well as critic, arts mortgages, and home equity credit lines. These can generate consumer benefits by lowering the price of Financial Products, expanding Consumer Choice and increasing competition. Often, they provide access to credit for higher risk borrowers such as consumers with lower incomes or no credit history, all through a highly supervised financial institution. Unfortunately, some bureaucrats and some lawmakers seem to react with hostility to almost any new Financial Products. Democrats in congress have majority branded bank fintech partnerships in general as rent a bank schemes. Last year they overturned and obc occ rule that provided over unfortunately, by attacking legitimate bank fintech partnerships, our democratic colleagues risk restricting access to needed credit for lower income consumers. And then theres the cfpb. Under director chopra, the cfpb has repeatedly demonstrated hostility to innov
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