The us department of the treasury has submitted the consumer financial protection agency act of 2009 to congress for the purpose of overhauling consumer financial regulation this study has examined the likely effect of the act on the availability of credit to american consumers. The consumer financial protection act is an amendment to the national bank act designed to identify and explain the standards that apply to national banks the consumer financial protection act . In 2010 congress enacted the dodd frank wall street reform and consumer protection act among other things dodd frank establishes a new consumer financial protection bureau with the authority to supervise and regulate entities that offer or provide consumer financial products or services. Consumer financial protection act of 2010 cfpa section 1057 of the dodd frank wall street reform and consumer protection act of 2010 12 usca 5567 enacted july 21 2010 note effective date of july 21 2011 has been set by the secretary of the treasury pursuant to sections 1058 and 1062. The effect of the consumer financial protection agency act of 2009 on consumer credit david s evans lecturer university of chicago law school david s evans joshua d wrightthe effect of the consumer financial protection agency act of 2009 on consumer credit 22loy consumer l rev277 2010 to police borrowing terms than the
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