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Hi! Im Zixta Martinez, and Im part of the outdocHub team at the Consumer Financial Protection Bureau Implementation Team. Weve received a number of e-mails suggesting that legal speak be removed from contracts, in order to make these agreements simpler and easier to understand. We couldnt agree more. We believe credit agreements are too long and full of legalese. This makes it hard for people to understand the costs, risks, and benefits of these products. Unfortunately, too much of the competition in the consumer credit market has been based on who can make the fine print the finest, loading it up with tricks and traps. That sort of competition destabilizes families financial situations. As we saw in the run-up to the recent crisis, it could also destabilize the whole economy. Instead, a well-functioning market should be based on who can offer the least expensive and most useful products. Thats why it will be a major goal of the CFPB to increase transparency in credit agreements
