[20220113]IF10031_金融服务简介：消费者金融保护局（CFPB）.pdf

https:/crsreports.congress.gov Updated January 13, 2022Introduction to Financial Services: The Consumer Financial Protection Bureau (CFPB)In 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank; P.L. 111-203) established the Consumer Financial Protection Bureau (CFPB) to implement and enforce federal consumer financial law while maintaining consumer access to financial products and services. Dodd-Frank consolidated in the CFPB certain regulatory authorities related to consumer finance that were previously held by other agencies and created new powers not previously held by federal regulators. Dodd-Frank authorizes the CFPB to exercise these powers with the goal of promoting fair, transparent, and competitive markets for consumer financial products and services. Structure of the CFPB Dodd-Frank established the CFPB as an independent bureau within the Federal Reserve System (Fed). The CFPB is headed by a single director, appointed by the President with the advice and consent of the Senate for a five-year term. The Feds Board of Governors does not influence the CFPBs operations other than through the Fed chairmans role as a member of the Financial Stability