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simply duped into hidden fees and loans they couldn t afford by company who is know what they re doing. those days will soon end. from now on every american will be empowered with the clear and concise information you need to make decisions best for you. this will reinforce the new credit card law we passed. it will give students clear information. it will ensure every american receives a free secret score if they are denied a loan or insurance because of that score. all told, this reform puts in place the strongest consumer protections in history. it creates a new consumer watchdog to enforce those preks.