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Policy Statement on Abusiveness

https://www.consumerfinance.gov/compliance/supervisory-guidance/policy-statement-on-abusiveness/

...increased market share, revenue, cost savings, profits,31 reputational benefits...prevent the Bureau from exercising tool choices, such as appropriate exercise

Issue Spotlight: The High Cost of Retail Credit Cards

https://www.consumerfinance.gov/data-research/research-reports/issue-spotlight-the-high-cost-of-retail-credit-cards/

...merchants largely benefited from the savings associated with outsourcing credit...- $49 TD Bank 32.90% Harbor Freight Tools < $10 Synchrony 31.99% Lowe's Companies