Who does our government work for? How does our government shape our society? Who gets access to the power of the state when they have a problem or need help? None other than Chief Justice John Roberts himself has perpetrated a great lie that the ability to access our federal courts is a neutral, apolitical issue. In reality, our federal courts systematically favor the rich and powerful, particularly those who push a specific set of conservative policy outcomes, even when those outcomes are contrary to what Americans vote for and support. In order to rectify this disconnect, we must rethink the laws, rules, and regulations that structure federal courts, and grow capacity at the state level to ensure our system works for everyone, not just the rich and powerful.

Consumer financial protection law is critically important for the members of our society with the fewest resources. Violations of consumer protection laws disproportionately impact people who are struggling, and people are often taken advantage of when they are vulnerable. Focusing on recent work by the Consumer Financial Protection Bureau (CFPB), this speech by Seth Frotman, former CFPB General Counsel and Senior Advisor to the CFPB Director, examines how the CFPB has used consumer financial protection law to combat practices that take advantage of the vulnerable and discriminate against them.