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.he planktotrophic larva is considered to be the ancestral larval type for echinoderms but after 500 million years of larval evolution, about 68% of species whose development is known have a lecithotrophic larval type.