I've written up my thoughts in a comment letter to CFPB. See http://www.thinkcomputer.com/20140214.cfpbcomment.pdf http://www.thinkcomputer.com/20140214.cfpbcom

I've written up my thoughts in a comment letter to CFPB. See http://www.thinkcomputer.com/20140214.cfpbcomment.pdf http://www.thinkcomputer.com/20140214.cfpbcomment.pdf. And if you were aware of the existing regulatory framework, how is any of this different or surprising?