The Dodd-Frank Act's Title X and Title XIV protect consumers by regulating credit markets and preventing abusive mortgage lending practices.
Title X: Title X of the Dodd-Frank Act established the Consumer Financial Protection Agency to oversee and regulate consumer credit markets to protect consumers from unfair practices such as hidden fees in credit cards and complex mortgage contracts.
Title XIV: Title XIV focuses on protecting consumers in the mortgage market. It includes regulations aimed at preventing abusive lending practices that contributed to the 2008 financial crisis, ensuring borrowers receive clear and accurate information about their mortgages.
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