The Dodd-Frank Wallstreet Reform and Consumer Protection Act evolved from the mortgage industry meltdown, which was the consequence of deceptive behavior of professionals on Wall Street and uninformed consumers who risked too much and purchased homes whose future monthly payments were more than they could afford. The agency that was created to provide consumers with accurate information so they can make informed decisions about loans and other financial instruments is known as .

Consumer Financial Protection Bureau (CFPB)

Explanation:

The Consumer Financial Protection Bureau (CFPB) was created in 2010 in response to the Great Recession. Its creation was authorized by the Dodd-Frank Act.

Its main duties include supervising banks, lenders, debt collection agencies, credit reporting agencies, and other non-bank entities related to credits and debts. One of its main goals is to make information about credits more clear to ordinary customers, specially credit cards and mortgages. That should help customers understand their rights and responsibilities better.  

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