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Richard Cordray
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Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy

by Richard Cordray (Author), Elizabeth Warren (Foreword)
4.5 4.5 out of 5 stars 37 ratings
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Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy
Watchdog: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy
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Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own.

It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand.

Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.
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  1. ISBN-10
    0197502997
  2. ISBN-13
    978-0197502990
  3. Publisher
    Oxford University Press
  4. Publication date
    March 2, 2020
  5. Language
    English
  6. Dimensions
    9.3 x 1.3 x 6.4 inches
  7. Print length
    304 pages
  8. See all details
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From the Publisher

finance, financial industry, economy, CFPB
finance, financial industry, economy, CFPB
finance, financial industry, economy, CFPB

Editorial Reviews

Review

"Watchdog is the harrowing story of how the Consumer Financial Protection Bureau grew up and became a major force for fairness in the marketplace. Rich shows what a difference good government can make for millions of Americans. Along the way, he describes in vivid detail the tough fights the Consumer Bureau took on and what it meant for every household in America." -- Sen. Elizabeth Warren, from the Foreword to Watchdog

"Watchdog provides a compelling behind-the-scenes story about the Consumer Financial Protection Bureau. Rich Cordray's first-hand account demonstrates the positive impact that government can have if its leaders are solely dedicated to supporting and protecting people and their families." -- Valerie Jarrett, former Senior Advisor to President Barack Obama

"Rich Cordray keenly understands that economic rights are civil rights. In his new book, Watchdog, he tells the fascinating story of how as leader of the CFPB he and his team worked to protect the vulnerable, empower consumers, and root out lending discrimination all over the country." -- Andrew Young, civil rights leader and former US Ambassador to the United Nations

"Richard Cordray is a true American hero, a tremendous public servant who listens to all sides and who is fiercely dedicated to the American people. This book is an inspiring tale of a potent combination: terrific ideas, determination, and sheer idealism. If you care about consumers or the vulnerable, this is your best guide to the achievements of the recent past-and to the boundless possibilities of the future." -- Cass Sunstein, author of How Change Happens

"Led by Richard Cordray, the CFPB was a stunning success, recovering $12 billion for millions of consumers from lenders who cheated or defrauded them. As the champion of the forgotten working families of America, it went after lenders and others for charging people of color more for mortgages, auto loans, and credit cards. This timely book shows how critical that work continues to be." -- Rev. Jesse Jackson, Rainbow/PUSH founder, former shadow US Senator (DC)

"Watchdog serves an important, impressive purpose in demonstrating how effective government agencies can be, with concrete resolutions and real dollars kept in the hands that earned them. At very least, readers will learn what they're up against." -- The San Francisco Review of Books

"This well-reasoned and articulate manifesto will resonate with liberal readers." -- Publishers Weekly

Book Description

The necessary story of how the Consumer Financial Protection Bureau became a powerful force for good in the lives of everyday Americans after the 2008 financial crash

Product details

  • Publisher ‏ : ‎ Oxford University Press (March 2, 2020)
  • Language ‏ : ‎ English
  • Hardcover ‏ : ‎ 304 pages
  • ISBN-10 ‏ : ‎ 0197502997
  • ISBN-13 ‏ : ‎ 978-0197502990
  • Item Weight ‏ : ‎ 1.31 pounds
  • Dimensions ‏ : ‎ 9.3 x 1.3 x 6.4 inches
  • Customer Reviews:
    4.5 4.5 out of 5 stars 37 ratings

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Richard Cordray

Richard Cordray

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4.5 out of 5 stars
4.5 out of 5
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37 global ratings

Top reviews from the United States

Lynn N.
5.0 out of 5 stars A look behind the curtain of an innovative US federal agency
Reviewed in the United States on June 21, 2021
Verified Purchase
In the aftermath of the 2008 Financial Crisis, a new consumer agency emerged from the ashes: the Consumer Financial Protection Bureau (CFPB). The financial devastation at the time had proven the efficient-market hypothesis false – that the self-policing of financial systems was no longer viable. In Watchdog, former Ohio attorney general and former CFPB Executive Director Richard Cordray provides an insiders account into how the CFPB came to be and how it would develop into a “major force for fairness in the [consumer] marketplace." Watchdog reveals how Cordray and his team built the CFPB, what the Bureau has accomplished, and why its work will continue to be important in the 21st century. Arriving at no better time, Cordray makes the cogent argument for the nascent federal agency’s existence.

Watchdog is a well-researched, well-written book that pulls back the curtain of a 21st-century, dynamic federal agency. Cordray does an excellent job explaining the modern problems facing consumers, as well as detailing his priorities when launching the CFPB (1, consumer complaint collection, 2 enforcement and supervisory practices, 3 economics and market research, 4 public education). As with every great book, I found myself having more questions after finishing this book! I recommend to anyone with a curiosity for federal agencies, regulations, and public goods.
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jem
5.0 out of 5 stars Consumers need someone on their side
Reviewed in the United States on August 7, 2020
Verified Purchase
Richard Cordray is that rare creature in politics - someone committed and capable of helping ordinary citizens. He and Elizabeth Warren had the capabilities to create and get the Consumer Protection Bureau off to a remarkable number of wins for consumers. From credit card fraud to mortgage fine print there seem to be endless ways that lawyers for big banks can prey upon consumers. Richard Cordray was quietly and effectively fighting for consumers until the Trump administration arrived and tore it all apart.
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steve
5.0 out of 5 stars If you’re tired of what bankers have done in America, read this book
Reviewed in the United States on September 5, 2020
Verified Purchase
Great book to read. It’s extremely informative. The banks are really corrupt.
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v
5.0 out of 5 stars Fascinating read about the effort to protect consumers in the financial products markets.
Reviewed in the United States on July 23, 2020
A great insider’s look at what it took to start a new federal bureau against great opposition. Cordray does a nice job of detailing all of the political forces that were at work in the formation and creation of the new CFPB.
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