Boston, Oct. 6, 2016 — Headlines of unfair and deceptive credit card practices make it hard to argue with the new direction of regulators who expanded their purview from safety and soundness to fairness and clarity. Since the Consumer Financial Protection Bureau was launched in 2011, more than 10% of U.S. households have received some sort of retribution for unfair and deceptive lending practices. Legal penalties now exceed $200 million and retribution exceeds $1 billion.