Why is the CFPB making new appointments just before a change in administrations? The appointments seem inappropriate, since the incoming administration hasn't decided whether the head of the CFPB will remain in place. If a new bureau head is appointed, then that person should be allowed to choose his or her own staff.

By saying that banks have a high level of "compliance risk," the regulators are, in effect, saying that the government regulations are, themselves, a material threat to the financial system. One interpretation derived from the report is that banks must get serious about following regulation. Another interpretation may be that regulatory enforcement and penalties have become so severe that the government itself has become a threat to financial stability. Either way, there is not much to boast…

Some of the most unfortunate incidents that occurred during Chair White's tenure were the recurrent attacks she suffered under Senator Warren's acerbic scrutiny. Those attacks were wholly undeserved, since the Senator's objective was to compel the SEC to focus on adopting rules that had a significant political purpose (such as the disclosure of political contributions) but only tangential relevance to the SEC's aims, as opposed to rules that should be more important to the SEC, such as those…

 (a statistics site for football fans) includes a generic complaint form for readers to use when they disagree with the results of a given analysis but do not wish to engage in substantive discussion. Similarly, the Trump administration might find it useful to provide a generic form for those who wish to complain about a given individual from the private sector who is tasked with serving in the government:

[Mr./Ms.] [Name] is [completely/wholly/totally/…