the way US bureacrats envision regulation is wrong imo.
They only increase cost of doing business and add overhead on the consumer (one more document to sign that nobody reads, when closing a loan).
I really dont understand what these 1700 people accomplish productive every day to justify the agency's existence.
If they are doing something manual, this ought to be automated.
If they are manually enforcing something - this ought to be encoded in laws and should not require post-hoc enforcement.
They only increase cost of doing business and add overhead on the consumer (one more document to sign that nobody reads, when closing a loan).
I really dont understand what these 1700 people accomplish productive every day to justify the agency's existence.
If they are doing something manual, this ought to be automated. If they are manually enforcing something - this ought to be encoded in laws and should not require post-hoc enforcement.