Agreed. Lots of people/bodies/academics have measured contract readability; I didn't say the US CFPB was the only arbiter. Lina Khan seems to be one of the big

Agreed. Lots of people/bodies/academics have measured contract readability; I didn't say the US CFPB was the only arbiter. Lina Khan seems to be one of the bigger contributors to curbing excesses, at least in the domains she's authorized to, and she may not keep her job in the next admin. (As to ARMs, from the regulator point of view, much of the economic damage done is in the rear-view mirror; the next big thing is presumably student loans.)