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.
Skeletal Composition. Echinodermata means spiny skinned.. Surprisingly, the external spines are composed of the same material as the internal skeleton. Calcium carbonate and protein form the rigid inner skeleton, or ossicles, of echinoderms.The exoskeleton is composed of soft, spongelike micro-structures called stereom.he uniform symmetry of echinoderms sets the creatures off from other marine life. All echinoderms are pentameral -- they have limbs in multiples of five. This trait is easily recognizable in starfish and brittle stars with only five limbs.