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The people what exactly this consumer person would do that would head this agency. exactly in laymans terms, exactly what he would do for consumers. >> until we passed the bill last year, if you had a fight with the bank, if you had a fight with any financial institution, and you complained, when theoretically there were laws on the book to protect you, the interpretation of the laws war left to the people in charge of the bank regulation system. >> right. >> the rep view, which was expressed by...