When a person focuses on daily activities, it increases efficiency and satisfaction

51Due教员组给各位留学生分享一篇纯原创代写范文essay，文章主要讨论当一个人专心从事日常活动，可以提高效率和满意度，从而提高生活质量。如果没法专心和注意力分散的思维方式，会容易给日常生活带来困扰和减低做事效率。所以每个人能自我意识到存在的问题时，需要及时做出改变，使自己专心一处的去做每一件事。
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The CFPB is a governmental agency responsible for protecting consumer financial market. Authorized by the Dodd-Frank Wall Street Reform and Consumer Protection law of 2010, the CFPB was approved as a response to the 2008 financial crisis and subsequent recessions. 
The CFPB has authority over a number of financial service organizations, including banks, credit unions, securities firms, thrifts institutes, and mortgage-servicing operations. Besides to programs conducted by the CFPB, the Bureau also responsible for other agencies’ consumer finance programs facilitation. Additionally, it takes charge of the enforcement of a series of finance legislation, such as the Electronic Fund Transfer Act (McAdams, 2014).
The CFPB is favored by many Americans for its efforts to promote transaction fairness and transparency for consumers (CFPB(a), n.d.). The Bureau has two major approaches to obtain its objective. For one, the agency helps with the consumer finance market through making and enforcing regulations that cover common consumer financial products and services, as well as supervising relevant financial organizations to ensure the transparency and fairness of their business. For another, the CFPB provides financial education for consumers so as to enable them better understand the values and risks of products or services in the financial market (CFPB(a), n.d.). To better understand public opinion, the agency launched an online portal where enables consumers to file complaints related to US financial market in 2012 (CFPB (b), n.d.).
As one of the most powerful agencies regulating the market, the CFPB also faces a lot of controversy. Fears and worries come from three major parts. Firstly, many worry that strong governmental regulation might lead to market failure, for a group of people stands for limited government and free markets (McAdams, 2014). Furthermore, some criticize the CFPB for its broad authorities and priorities (White, 2017). In addition to its broad authorities over consumer finance laws and organizations, its budget comes directly from the Federal Reserve and is not controlled by the government. Moreover, CFPB director’s power is not restrained by Congress or thegovernment, and the director cannot be dismissed if without major mistakes. Thirdly, the agency is criticized based on its organization structure and management. Some critics described the CFPB as a “radical structure” under the director’s sole control, and blamed it as lacking in financial transparency and accountability to the government or the Congress (Hensarling, 2013; White 2017.). 

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