Obama still has 12-18 months to make it so. You're not exactly being bold with the prediction.

It's just NASCAR...I waive all rights

I'm not ever again gunna believe anybody who's had a significant role in our financial industry. She's insecticide in Africa.

If your upset, it must be good for the common citizen. I'll take it.

Oh, I will, for sure, put my money on this lady when it comes to protecting consumers.

Not me. Feeling better, actually.

So far, anyone with knowledge about the financial sector has used it to fk his or her fellow citizens as much as possible. I wouldn't expect you to be any different. You may be, but I ain't trusting a thing you have to say. Lady doesn't look owned by anyone. I'll take her word over yours, and I'll take her word over Obama's.

Well, that was disturbing!


Seriously, tell us how you feel about this...




:eek:

Im going to go with "yes"... CPA will protect me far more than banks and corporations that are only concerned with profits for their shareholders.

You always know how to make a girl feel special, don't ya!

http://www.youtube.com/watch?v=3A4Sju5NAdo

Well she is on record as saying practically all consumers are idiots, so I guess since you agree with her, you fit in that category.

Isn't it nice you have such a well decorated woman with a resume full of practical experience calling you an idiot.

You only make it more and more clear how lost you are on this...

...and Credit Unions? I assume, you along with the uninformed here believe we are out to make a profit from you too, correct?

The CPA is scary, and if you think they are going to help you, the individual you are wrong. All they will do is make for certain, you ,the consumer, will pay for all the bank's, credit union's, S&L's added expenses, hike in operating expense, and loss of income.

The funny thing is, every person on here crying about being pillaged by banks, there are other options. Credit Union's are not-for-profits, they are here to profit for you, not from you. Membership and capitol growth in the credit union industry is at an all time high. There are very, very good community banks out there, who do not try to nickel and dime, and take all they can from the consumer (there are also very bad community banks and failing banks, so you need to do your homework, imagine that the consumer actually needs to think about where to put his/her money and do some leg work).

The bottom line is, if you want to use the big boy banks, and you want to continue to get fee'd and raked on APR, thats your own decision. You have nobody but yourself to blame, there are always plenty of options. You should be the big boy and stand up and find the best place to take your business. Not cry about it, like an infant, and wait for Big Brother to come and try to fix it for you, because they can't.

Its funny, were you aware the FDIC already had a consumer protection division. I guess that part of the government agency failed you. So let's make it bigger and give it an open book to set up R&R, then maybe it can work. Oh wait, we did that with it already. This time, make it a stand alone arm of the government. That will work. What's the definition of insanity again?

Oh! To fill the employees for the bureau, let's take 1/3 from FDIC, a 1/3 from NCUA, and 1/3 from the SEC and OCC. If you had to give up a big number of your employees, who would you let go of? I'm curious...

Answering your own questions is a definition of insanity.

Am I right? Yes.

Oh hey what's 2 + 2, you stupid f.uck? 4.

ARyan, I understand that you feel that this will professionally impact you and you think that government oversight will make more problems for people but I want oversight and protection, I don't trust business to look out for me, the consumer. I was with a law enforcement credit union when I was a cop (I am currently with USAA) and understand that they are not for profit entities.

If this has you that upset, don't lecture people on a horse racing message board, take your fight to congress - i don't think anyone here has the power to change things, all we have is our own inflated opinions! :D

I am one of the few people here that do not trust big business or religion or TV talking head pundits to look out for my best interests... Although I'm not entirely sure I trust government but at this point they're my only hope :o

I am worried for consumers. This will only impact them in the long run. I can deal with more compliance, and more R&R, the sad part of it all, is it rarely helps the consumers in the long run, particularly when it comes to banks.

As for oversight, you have it. FDIC, NCUA, SEC among many others. If they are failing, then they need to be corrected, not the institution of another federal agency.

As for not trusting business to look out for you, thats basically the mission statement of many credit unions. We work for you best interest. We are not-for-profit institutions who are financial cooperatives, and if you are a member, you are an owner. Credit Union's profit for members not from them. Question for you, do you belong to a credit union?

I actually have, we get no response. Unfortunately our congress rep is too busy having Eddie Kelly tell us on TV Ad's how our rep saved New York horse racing and NYRA. He doesn't have time to talk to credit unions, even though his father was a big credit union guy in Missouri.

I just believe, we are our best hope. If you can't help yourself individually, relying on a failing government to help you looks to me like a bad life decision.

your an imdecile.

I had about four different things typed out....all of them addressing your absurd mixture of stupidity and ignorance, but deleted them.
So yeah, it seemed to me like that was the best and most succinct way for me to get my point across.

Before I deal with 4 more years of a imcompetent President I would rather defect some where else. Don't worry if its a nice tropical island send me your address and I will send you a post card. Maybe I will send Miraja a post card.

Now now Bob play nice.

:)

Wow my feelings are really hurt douchebag nozzle.

I assumed they wouldn't be because I seriously doubt if you value my opinion, just as I do not value yours. We have completely irreconcilable worldviews. Oh well. You now know that I think you are incredibly stupid and ignorant, and I now know that you think I am a "douchebag nozzle."

Fair enough. Neither of these positions really enhance the level of discourse around here, and name-calling competitions are really only interesting to the people involved in them, so I suggest that we both simply move on.

We have something in common. Yea. We don't value each others opinion. Have a nice weekend. Guess you don't like it when someone throws it back in your face.

Don't be stealing Coach phrases and you got it wrong. It is douchenozzle.

You don't own her. This detergent can't get to the grease quick enough for me. The weakest complaint of all is the one about bypassing the Senate. Every chance he got, Bush did this sort of move. When you've (Senate Repubs) shown yourself to be this partisan, OBA has given up trying to work with you. Took Junior long enough to get it. He's gunna pay, but it won't be for this. It will be for appeasing Rabid Muslims. That South-Chicago sympathy for Rabid Muslims is a huge problem. Junior's gunna get to school late on that, too.

Trust me, I do not rely on the government, I make a good salary and have investments but I don't trust big business to look out for me, I pay enough to the government that they damn well better do something for me!

No one, no thing is perfect... but any entity that is trying to make money for itself isn't making the money for my benefit (i.e.:banks, businesses, etc.).

My current bank is USAA, for military families, I love it, I trust it and I would never ever have an account at a big bank. I left my law enforcement credit union for USAA and I have absolutely no fear that I will lose my money because of them.

ARyan, when I hear that business doesn't like governmental oversight, I want governmental oversight... maybe I need to look a little deeper before having that knee-jerk reaction.

You know, some of us really wish we didn't have to deal with even four more days of an incompetent (please note the correct spelling) poster here on DerbyTrail... But we do because Steve doesn't ban dumb*sses (yes, I am specifically referring to your uneducated, ignorant, lacking in any social graces, dumb*ss). I think I can speak for others when I say that we are growing weary of your anger towards a man you absolutely refuse to see any decent qualities in. Give it a rest.

If folks enjoy his narrow, negative view of this nations leader, I apologize for my rant above. But I don't think this President is any worse than the last one.

My feeling here is, we already have governmental oversight. Now they are giving unlimited power and R&R making authority to a brand new authority supposed to protect the consumer, when those consumer protection agencies already exist within each regulator of the financial industry.

To me this isn't fixing anything for consumers, or fixing the industry and its many parts. This is just dumping a new regulating industry on top of the many others, and hoping something works. Well with how they are going about setting this industry up, to me it looks trouble on the horizon.

I know USAA well. In fact we have members who also have accounts there. From what I know they are a well respected, however they are still a bank, and got into the banking industry after being an insurance firm. I wouldn't recommend them over a credit union, but if you are happy with them, then why do you feel the need for a new regulatory agency to mandate new R&R that will no doubt effect your relationship with them.

Grammar is important. For example, capitalization is the difference between helping your Uncle Jack off a horse and helping your uncle jack off a horse.

They aren't any good. Whatever oversight we have is not any good. That is soooooo clear. Somebody needs unlimited power to protect the consumer. It's been way too long since that's been a priority. Just start already.

Thanks for correcting me. You have alot of room to talk when it comes to taking someone's phrase. Best of luck on your golf picks.

Your calling me a dumbass? Do us all a favor and crawl back into your hole. Im probably more educated than your worthless piece of flesh. Have you ever heard of FREEDOM OF SPEECH?

:baby:

ironic post of the day.

You are a small little man, perhaps not in stature but in the content of your character... and you still can't spell so I sincerely question your education level. You are the typical Internet bully who is narrow minded and lacks the skills to argue logically so you resort to name calling. You don't know a thing about me yet you hurl insults at me because I called you on your ignorance - Seriously, that's your response? You really should look inward and try to understand why you're not respected around here - it's not us, it you.