The CFPB is expressly charged with the responsibility for protecting the rights of all US consumers, and the director's failure to take a single action on their behalf in more than a year in office is a callous disregard of the public's financial welfare. The people need to stay alert to such attitude among public servants and exercise their sovereignty at the ballot box. There are democratic safeguards in place in the US government, and they need to be utilized. For more, see the Charter for Permanent Peace and Development. §1.9 §1.10 §5.1 §6.1 §6.10