This month the CFPB filed suit against Encore Capital Group, five years after the company became subject to a consent decree. Was this a political move by the director or simply CFPB enforcing the rules? The CFPB’s Office of Innovation has grown leaps and bounds since 2016. Why and will that change if the White House switches leadership in November? On this episode of Tech on Reg, Dara Tarkowski chats with attorney Joann Needleman of Clark Hill PLC about consent decrees, 10 years of Dodd-Frank and whether an archaic financial framework can handle what will soon become the largest transfer of wealth the country has ever seen.