i could ask the same question of you director chopra. while your nomination was still pending i sent a letter about the reports of troubling personnel actions at the cfpb. my letter ask simple questions about whether you were involved in or aware of these actions . you refused to answer these questions or to respond at all. as a result in july every republican member of this committee exactly half the members of this committee that you letter calling on you to answer these simple questions. and still you refused to provide any answer whatsoever . that is simply unacceptable. let me close ecby saying this. you havebeen the cfpb director for less than a month . there's still time for you to reverse course. a couple of good places to start would be to end the cfpb unfair practice of regulation by enforcement. eucharist respect the cfpb jurisdictional limits and stop outlawing oversight requests. i hopeyou will make these changes but i'm not holding my breath . >> you senator to me. it is today's witness. roy toomey is director of the bureau

chopra in from the cfpb last week and he wanted to ask amazon and apple and others regarding their data collection on the financial services side. so are there some issues that we should be cognizant of or actively investigating with respect to how consumer data is being used in this context, ms. saunders? ms. saupders: -- ms. saunders: yes, absolutely. anytime consumers' data is collected, it's something they need to approve. some of these models look great, too good to be true. are they vehicles to collect data, pitch other products? it's important to know what the real business model is and how data is being used. mr. lynch: ms. broady, are there any limitations how that is gathered and used in this space? ms. broady: so they use algorithms to use how people will be paid. of course, we have to have some type of data, but this data doesn't stay on your credit report and affect it for seven to 10 years like a fico score would. mr. lynch: ok. mrs. torres. ms. torres: this can be used to push products onto consumers that they weren't looking to in the first place. it may entice them to g

chopra was in from cfpb and he wanted to ask amazon and others about data collection on the financial services side. are there some issues we should be cognizant never actively investigating with respect to how consumer data is used in this context, ms. saunders? >> absolutely. anytime data is collected it's what they were did approve of some of these models look too good to be true or are they something different from what they appear it's always good to know the real business model. >> are there any limitations how that data is gathered or used in this space? but these data and algorithms how people will pay it does not affect your credit score like a credit card or payday lender. we have to have some type of data but it is not see in your credit report on seven to ten years like a fico score would. >> the data can be used to push other products onto a consumer who may not have been looking for that in the first place so it's a way to entice the selling products to have more debt that they could not handle that they were looking for in the first place. >> and with that own issue con

chopra in last week and he wanted to ask amazon and apple and others regarding the data collection on the financial services side. are there some way should be actively investigating with respect to how the consumer data is being used in this context? >> yes absolutely. anytime it is being collected we want to make sure that it's the way the consumers would expect and approve of and i'm concerned some of the models that look great and too good to be true, or they vehicles to collect data were different from what they appear. it's different to know the business model. >> are there any limitations in terms of how the data is gathered and used in this space? >> the use data and algorithms to measure how people are going to pay. of course we have to have some type of data but it doesn't stay on your credit report and affect it for seven to ten years. it's a way to entice the products and consumers to pay more debt that they might not be able to handle or that they are looking for in the first place. >> the only consumer data for the fulfillment of in order. a. >> any concerns regarding th

it was christopher chopra who has got a history of doing this sort of thing. likes parliamentary procedure to be reflected and often is tools at his disposal to thwart anyone who tries to subvert the procedure. what it means is that motion will now be discussed today, there is a good chance there will be a debate and there is a good chance there will be a vote so it will be a little bit more high—profile than if it had been the late—night little snake through that the government originally intended.— originally intended. frustrating for the government _ originally intended. frustrating for the government that _ originally intended. frustrating for the government that it's _ originally intended. frustrating for| the government that it's happening this way, not the way they intended? you know what? let's see what happens in a few hours. do we see allies of 0wen paterson standing up to criticise the government? is it an opportunity for opposition mps to have another go at the government for how this was handled? and then, onceit for how this was handled? an