Regulatory pride is not protection. When agencies like DFPI and FINMA hesitate to coordinate, citizens pay the price. This piece examines how inter-agency brinksmanship cripples enforcement and turns protection into performance.
Consumer protection is no longer enough. This essay reframes accountability as a civic responsibility — a preventive, transparent infrastructure that protects public trust itself.
Financial deception destroys far more than money. It fractures trust, health, and families — and erodes the civic foundation that binds a society together. This essay explores the cascading human and institutional effects of misrepresentation and delay.
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