those days will soon end. from now on, every american will be empowered with the clear and concise information you need to make financial decisions that are best for you. this bill will crack down on abusive practicing an mortgage lenders and reinforce the credit card law we passed banning unfair rate hikes ander sure folks aren't caught by overdraft fees on checking accounts. it gives students who take out college loans clear information and make sure lenders don't cheat the system. it will ensure every american receives a free credit score if denied a loan or insurance because of that score. this reform puts in place the strongest consumer financial protections in history. it creates a new consumer watchdog to enforce those protections. because of this reform, the