I'm so glad you're here with us on the Clark Howard Show where it's all about you and

that quality yours.

I want you to learn ideas so you can save more and spend less and don't let anyone

ever rip you off.

Our main website, Clark.com, when you have a question for me, go to Clark.com slash ask.

Coming up in just a few minutes and today's Clark Regist moment, I have a new special warning

for you.

If you use Zell or Venmo or PayPal or other forms of sending money to another individual,

you need to hear what I've got to say.

And coming up yet later, there are many people seeking more economic opportunity that are

being blocked by really, really mean spirited state regulations.

I'm going to tell you how one state is treating its citizens right and other states need to

fall in line so that people can have more economic opportunity.

Now, there's something that has been proposed as a regulation, which is one of the steps

to it becoming the way things work in the country that has stunned me to my core.

There is an agency of the US government that has historically been the most popular in

surveys of all federal agencies.

It's called the Consumer Financial Protection Bureau.

It provides protection for consumers against abuses or illegal behavior by banks, payday

lenders, debt collectors, student loan lenders, any of a number of organizations that most people

lend them, most organizations are doing what they're supposed to be doing and doing it right.

Unfortunately, there are others that don't behave as they should and that's why as a cop

...