<P> Regulatory implementation regarding mortgages is covered on the bureau website . Topics provided for consumers include, 2013 mortgage rule implementation, resources to help people comply, quick reference charts, supervision and examination materials, and a link for feedback . It also provides additional information that covers rural or under - served counties, HUD - approved housing counselors, and Appendix Q . </P> <P> Appendix Q relates to the debt - to - income ratio that must be possessed for "qualified mortgages" and provides details about how to determine the factors for that calculation . The standard is set at no more than 43 percent . </P> <P> The CFPB is weighing whether it should take on a role in helping Americans manage retirement savings and regulate savings plans, particularly focusing on investment scams that target the retired and elderly . "That's one of the things we've been exploring and are interested in in terms of whether and what authority we have", bureau director Richard Cordray said in a January 2013 interview . Some conservatives have been critical of this potential role, with William Tucker of the American Media Institute asserting that the agency intends to "control" retirement savings and force people to buy federal debt . The AARP has encouraged the agency to take an active role, arguing that the bureau will help protect elderly Americans from affinity fraud that often targets senior citizens, ensuring that their investments are less likely to be stolen through securities fraud or malpractice . </P> <P> The main regulator of retirement and benefit plans established by employers and private industry is the U.S. Department of Labor, which enforces the main laws (ERISA, COBRA, and HIPAA), retirement plans (including 401 (k), SIMPLE, 403 (b), and traditional defined - benefit pensions) as well as many aspects of employer group - health plans . The Affordable Care Act, establishing marketplaces selling health plans directly to consumers, adopted the ERISA - style regulatory model, requiring all plans to have standardized documents such as a "summary plan document" (SPD), but the marketplace was regulated by the individual insurance commissioners of every state, with some states having multiple regulators (California maintains both a Department of Insurance and a Department of Managed Care). IRAs, also directed to consumers, are regulated by type of custodian (the FDIC regulates bank custodians, the IRS regulates non-bank custodians). Annuities, life insurance, and disability insurance purchased directly by consumers, are regulated by individual state insurance commissioners . Marketing to consumers is generally regulated by the FCC and various state laws . </P>

In january 2014 the federal trade commission charged 10 dealers in 7 states for what