The author, in her presentation of tales of abuse fails to make the argument for continuing the CPFB because the CPFB wasn't really involved in the abusive instances that she related.

In many instances, arbitration is a far more comfortable way for the abused to press their case as the need for high-priced legal assistance is not required.  Arbitration is trial by a judge using relaxed rules.

I agree that class action suits should not be allowed to be prohibited BY CONTRACT as THAT IS a restriction of a person's rights, but that is an entirely different question from the efficacy of the Consumer Protection Finance Board.