The next face of finance
CONSUMER FINANCIAL PROTECTION BUREAU
Note: This document was used in support of a live discussion.
As such, it does not necessarily express the entirety of that
discussion nor the relative emphasis of topics therein.
“It is impossible to buy a toaster
that has a one-in-ﬁve chance of
bursting into ﬂames and burning
down your house. But it is
possible to refinance an existing
home with a mortgage that has the
same one-in-five chance of putting
the family out on the street–and
the mortgage won’t even carry a
disclosure of that fact to the
Unsafe at Any Rate
This is much more
complicated than I’m
making it out to be.
’Why wasn't I consulted’ is the
fundamental question of the web.
Humans have a fundamental need to be
consulted, engaged, to exercise their
knowledge (and thus power), and no other
medium that came before has been able to
tap into that as effectively.
PAUL FORD, JANUARY 2011
just getting over recent changes
money on the line
I need you to go on there and
comment about what you like and
dislike about this form.
If you guys don’t comment, then
when it does get released, you
have no right to complain.
KEN PERRY, JUNE 2011
A truly open process
creates the space
to design successfully.
ASK FOR INPUT
(AND MEAN IT)
Designing in the open can