8Financial Services and Markets Act 2000, Part I . 5 ( 3 ).
9Financial Report of the CFPB -fiscal Year 2012 http ://www. consumerfinance, gov/reports/financial - report - of - the - cfpb - fiscal - year -2012/. ( Last visited Feb. 24,2013 ).
10Helen A. Garten, The consumerization of Financial Regulation, Washington University Quarterly, Vol. 77, pp. 289 - 290 ( 1999 ).