“Congress created the CFPB to stand on the side of consumers and ensure they are treated fairly in the financial marketplace. Since we opened our doors, we’ve been focused on making consumer financial markets work better for the American people, and helping them improve their financial lives. In our fifth Semi-Annual Report, we describe our efforts to achieve this vital mission. Through fair rules, consistent oversight, appropriate enforcement of the law, and broad-based consumer engagement, we’re helping restore American families’ trust in consumer financial markets, protect consumers from improper conduct, and ensure access to fair, competitive, and transparent markets. In the years to come, we look forward to continuing to fulfill Congress’s vision of an agency dedicated to cultivating a consumer financial marketplace based on transparency, responsible practices, sound innovation, and excellent customer service. We’ve continued our efforts to listen and respond to consumers and industry, to be a resource for the American consumer, and to develop into a great institution worthy of the responsibility conferred on us by Congress.”