. >>> joining us now, consumer financial protection bureau director rohit chopra.i hope you can hear me at this point, director. >> i can, yes, i can. >> you can, fantastic. now, i want to start off with the statement you recently made, cfpb recently made about digital marketing. can you explain what the significance of this is? is it that if firms, digital marketing firms are targeting messages about financial products, they're responsible if those messages are misleading? >> here's the thing. we have a lot of large tech firms who are increasingly getting into financial services, whether it's payments, whether it's lending and we want to make it clear that they can't simply hide behindan advertiser exemption. those firms are doing a lot more in many cases than advertising they are designing, in some cases, the products. they are offering those services they are trying to, in some ways, take control of the insights into our digital wallets and they should be following the same set of rules that banks and other financial companies are following. >> practically, what