host: moments ago you mentioned kathy craniger took over as head of cfpb. headline says, consumer bureau chief reverses moves, what has she done and how has that beener perceived by democrats? guest: she said she's the full-time director, mulvaney had a different mission. she understands she has a long-term vision she needs to implement. she's moving the bureau toward a middle ground, not where it was under democrats and cordry but, not where it was under mulvaney. she's reversed some of the things mulvaney has done, like rebranding the bureau, it's now the consumer financial protection bureau again. she revised some boards that he eliminated or changed membership of and insisted on taking more of a middle ground approach, a more balanced approach to revising some of the rules and regulations. host: the bill is called the consumer first act, 17 amendments allow under the rule. what are some of the ones we should watch for? guest: one amendment i'm particularly interested in is an amendment that would reinstitute a memorandum of understanding between the cfp