The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1975 and was implemented by the Federal Reserve Board's Regulation C. On July 21, 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB).
They show their radial symmetry in much the same way as the spokes of a bicycle wheel radiate from the center and they exhibit short or long spines. Starfish and brittle stars look like stars, many sea cucumbers look like actual cucumbers found in the supermarket, and sea urchins and sand dollars are very spiny.
The adults are recognizable by their (usually five-point) radial symmetry, and include such well-known animals as starfish, sea urchins, sand dollars, and sea cucumbers, as well as the sea lilies or stone lilies. Echinoderms are found at every ocean depth, from the intertidal zone to the abyssal zone. The phylum contains about 7000 living species, making it the second-largest grouping of deuterostomes (a superphylum), after the chordates (which include the vertebrates, such as birds, fishes, mammals, and reptiles).