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Oren Bar-Gill, Argument for a Consumer Finance Protection Agency is Strong, Despite Criticism (The Hill, Nov. 18, 2009, 11:55 PM).

Abstract: The CFPA has been the target of much criticism — criticism that aims to derail the CFPA proposal. Congress must see through this criticism. While the critics are making some valid points, their most powerful arguments have nothing to do with the basic question: Do we need a CFPA? The (almost) uncontested answer to this question is: “Yes, we do.”