The passage of this CRA would do nothing to change the prohibition against discrimination in the Equal Credit Opportunity Act that the guidance cites. It would simply roll back the gross regulatory overreach of the CFPB in claiming for itself -- behind closed doors and a screen of smoke -- a power that Congress, in the law that created the CFPB, explicitly banned the CFPB from having. As Sen. Jerry Moran (R-Kan.) said prior to the Senate vote, the CFPB “had to work its magic to find a way to regulate auto dealers.” Good governing is done through accountable and transparent processes, not magic.