On a separate note, it makes sense to talk about the authorities, which can protect the borrower in case the lender breaches the contract, or use any shared against the borrower. To be legally protected further on, it is crucial to have a list of emergency contacts. One of the federal agencies, which is in charge of all the financial market consumers, is The Consumer Financial Protection Bureau (CFPB). The task of its agencies is to improve the overall regulations of the players on the financial markets. It is a legal force numbers one to check how the issue could be regulated properly according to the acting law.