Spends its funds because the cfpb operates outside of the appropriations process. Even the Federal Reserve which funds the cfpb from its earnings does not control the bureaus budget. Because congress cannot tighten the financial reins when Budgeting Issues arise the bureaus current structure makes meaningful congressional oversight very difficult. Socalled independence is one reason cited by the authors of dodd frank for the bureau structure. But other independent agencies such as the securities and exchange commission, the cftc, the ftc, and the cpsc are all subject to the appropriations process. Additionally, the bureau does not even have its own office of Inspector General, relying instead on the Inspector General of the Federal Reserve. Some of us have urged the adoption specific reforms to make the bureau more accountable, and more transparent. Putting the bureau through the appropriations process and establishing a board of director i believe it would resemble other agencies and
Your name. In annapolis its a big deal. People talk about it all the time. A lot of concern from Business Owners and what are we doing to address it. But we have a plan in place. We just need the funding to implement it going forward. Okay. Im going to skip mr. Baker because my questions were about rock fish and striped bass. And i think you mentioned that on the one hand, you know rock fish are back. But on the other hand whats happening in terms of Climate Change could severely impact them. Did you want to add to that . One of the being concerns is a wasting disease. There is no real absolute knowledge as to what causes it. But we know that when fish are stressed, theyre more prone to disease. So the general thinking is that a fish under stress has a lot more problems than one that isnt. And certainly, the population is starting to dip again. Okay. Let me then go to lastly to dr. Ekwurzel. Because the noaa recently released the state of the climate in a 2014 report that represents da
Implement it going forward. Okay. Im going to skip mr. Baker because my questions were about rock fish and striped bass. And i think you mentioned that on the one hand, you know rock fish are back. But on the other hand whats happening in terms of Climate Change could severely impact them. Did you want to add to that . One of the being concerns is a wasting disease. There is no real absolute knowledge as to what causes it. But we know that when fish are stressed, theyre more prone to disease. So the general thinking is that a fish under stress has a lot more problems than one that isnt. And certainly, the population is starting to dip again. Okay. Let me then go to lastly to dr. Ekwurzel. Because the noaa recently released the state of the climate in a 2014 report that represents data from scientists around the globe and i know you stressed you gave us a lot of information about annapolis and maryland. But i if i could just go, you know, beyond that you know, according to the state of
Fifteen million Americans who owe a combined $49 billion in medical debt would benefit from a proposal by the Consumer Financial Protection Bureau to scrub medical debts from credit reports and ban their use in underwriting decisions.
On Oct. 19, 2023, the CFPB released a proposed rule that, if finalized in its present form, would require covered financial institutions to provide consumers and authorized third parties with access.