Most seem to have no clue about complying with Dodd Frank or other consumer mortgage regulations.

Create a temporary, statewide consumer rebate program to replace old appliances with water efficient models.

With hardwood, I will typically opt to just put laminate on top of the hardwood or paint the hardwood grey, black or brown using a glossy oil-based paint and a paint roller.  

As implemented, the law has turned into more of a fees collection, license testing and issuance business, and a promotional tool to sell educational courses than addressing abusive industry practices and providing consumer protection.

Again, I choose to not expose myself to possible mistakes.Because it would be so easy to accidentally use the credit card for a prohibited transaction (all it takes is pulling out the wrong credit card for a personal purchase), I've opted to go the longer route and write checks (or do online bill-pay or ACH transfers) for all purchases.

Most of his ragging on debt is credit card or other consumer debt.   

Little can be seen in this Bill to complete the intention of the law: consumer protection.

As an example, I notice that a foreign investor can set up an LLC, get an EIN and ITIN while not much is said about getting "opted out" of foreign investor withholding tax.The forums here have some discussion on this withholding tax exemption but no real specifics.

SmartMove is a little different in that regards because the data was technically consumer generated so it slightly changes how things can be done.

If an agent isn't doing their job the client should have the right to fire them just as any consumer can choose to shop at Walmart or take their business elsewhere.