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Prepared remarks of cfpb director chopra at the financial technologies conference money 20/20.. That means the impact could spread far beyond the agency’s payday lending rule. "the holding will call into question many other regulations that protect consumers with respect to credit cards, bank accounts, mortgage loans, debt collection, credit reports, and identity theft," tweeted chris peterson, a former enforcement attorney at the cfpb who is now a law professor at the university of utah.. Those who have a checking or savings account, but also use financial alternatives like check cashing services are considered underbanked. the underbanked represented 14% of u.s. households, or 18..
