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this and i believe today is an opportunity for us all to get a better understanding of that. additionally, the definition of consumer financial products protection is one that people don t understand. quite frankly, it may apply to payday loans at that wasn t the basis for dodd-frank. dodd-frank was about making sure that we never again had a meltdown because certain types of credit instruments were unsafe, unsound, poorly documented and ultimately worth less than they were intended to. but it is clear today that we will be dealing with an agency that will be far larger. the budget for next year is estimated to be larger than the two largest consumer protection agencies presently in existence combined. it s a lot of money. additionally, the authority of this agency is extremely broad. today we also will ask some important questions and this committee has been dedicated to along with the financial services committee for some time. the federal reserve is not transparent. the fe

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