It was no wonder the public tuned out the CFPB narrative that Democrats have repeated since they controlled Congress and the White House and passed the 2010 Dodd-Frank Act, which created the bureau. The plot never changes — before Cordray’s resignation, Republicans opposed the bureau because it kept the financial industry honest; now they restrain the CFPB so businesses can cheat consumers.
.. The Dodd-Frank Act forbids the Federal Trade Commission and the CFPB from conducting independent inquiries into the same matter. Cordray may have authorized an investigation of the Equifax data breach, but the FTC ended up conducting the full-scale probe.
.. Cordray and Warren, who helped draft the law, surely recognized Rucker’s sleight-of-hand. Nevertheless, the senator tweeted, “Another middle finger from @MickMulvaneyOMB to consumers: he’s killed the @CFPB’s probe into the #EquifaxBreach.”
.. Since 2010, Republicans have objected to the lack of legislative and executive checks on a regulator with so much impact on the economy.
.. Democrats, confident there would never be a Republican director, characterized the near-absolute power as independence from political influence.
.. Ironically, the once-secretive CFPB has been more transparent since Mulvaney throttled its External Affairs Division, the propaganda machine Warren created in 2010 while leading the agency’s yearlong start-up process as a presidential adviser.
.. The division’s copious press releases have been replaced by more-informative leaks from the bureau’s overwhelmingly Democratic employees. Contrary to the stale narrative that liberals craft from the leaks, the acting director does not hate consumer protection; he just hates the CFPB’s structure, which he once described as “a joke . . . in a sad, sick way.” Warren’s obstinacy has only allowed him to validate the now-famous comment and delight in the bully’s comeuppance.
.. Mulvaney invited a Daily Caller reporter to the CFPB headquarters Warren had procured in 2011. Cordray’s $124 million renovation of the Brutalist eyesore came to symbolize the bureau’s elitist liberal entitlement. The reporter was escorted through a 2,660-square-foot athletic facility with two huge locker rooms, offices with electric height-adjustable workstations, a library with a sofa and lounge chairs but few books, a roof deck with spectacular views and motorized cantilevered umbrellas, and a courtyard with lavish fountains. The images recalled the familiar spectacle of triumphant soldiers touring a deposed dictator’s opulent palace.
.. But exposing his predecessor’s sins is only Mulvaney’s jab. His knockout punch is demonstrating that the CFPB’s structure allows its director to behave like the Republican stereotype.
.. Unlike other Trump nominees who renounced previous calls to eliminate the agencies they were tapped to lead, Mulvaney told reporters he was not shutting the CFPB down because the law did not permit him to do so. In his introduction to the agency’s five-year strategic plan he declared that “we have committed to fulfill the Bureau’s statutory responsibilities, but go no further.”
.. He requested no funding from the Fed for the first three months of 2018 and instead financed the CFPB’s operations by draining its stockpiled reserves, a likely prelude to agency layoffs... Rather than defend his policies, Mulvaney reminded his critics: “I am the judge, I am the jury, and I am the executioner in some of these investigations, and that is completely wrong. . . . If you don’t like it, talk to the person who wrote the statute.”.. Her attempt to shame Republicans is laughable — Democrats remained silent for five years while Cordray proved that Congress is powerless to rein in the director... Mulvaney is not, as Warren writes, “turning the CFPB into a politicized rogue agency.” He is showing Democrats that it will continue to be one unless they help restructure it.
When we start with big universal ideas, at the level of concepts and -isms, we too-often stay there and argue about theory and generalizations. At that level, the mind is totally in charge. It is then easy to love humanity, but not any one person in particular. We defend principles of justice, but would not put ourselves out to live justly.
This takes different forms on the Left and on the Right, to put it in political terms. Liberals are often devoted to political correctness and get authoritarian about process and semantics. Conservatives can be overly loyal to their validating group for its own sake and become authoritarian about its symbols, defining and defending the rules and rights of membership in that group. Both sides risk becoming “word police” and “symbol protectors” instead of actually changing the world—or themselves—by offering the healing energy of love.
Sometimes neither group ever gets to concrete acts of charity, mercy, liberation, or service. We just argue about theory and proper definitions.
Start with loving one situation or one person all the way through. That is the best—and maybe the only—first school for universal love.
How a group of programming rebels started a global movemenT
Ken Schwaber—the cofounder of Scrum and founder of Scrum.org—says Waterfall “literally ruined our profession.” “It made it so people were viewed as resources rather than valuable participants.” With so much planning done upfront, employees became a mere cog in the wheel.
.. Waterfall “has gradually lost favor … because companies usually build better products if they can change specifications and designs, get feedback from customers, and continually test components as the products are evolving.”
.. Bob “Uncle Bob” Martin. Martin, an industry veteran and the founder of Uncle Bob Consulting, runs The Clean Code Blog
.. “When we compared how we did our work, we were just kind of astonished at the things that were the same.”“When we compared how we did our work, we were just kind of astonished at the things that were the same.”
.. Unlike other historical documents, the Agile Manifesto doesn’t declare truths self-evident. Rather, it compares: We value this over that.
.. Schwaber says the group did invite “a whole bunch of really pretty knowledgeable women” but that none showed. “They thought it would just be a carousing and smoking weekend,” Schwaber says. “They didn’t think we were going to do anything intellectual or productive.”
.. But it’s unclear whether women were, in fact, actually invited: A few of the framers tell me they vaguely remember some women being invited. Others don’t.
.. Unlike Waterfall, Agile emphasizes iterative development, or building software in pieces. Agile teams typically work in short cycles—which are called “sprints” in Scrum, today one of the most widely used forms of Agile—that usually last two weeks each.
.. Today’s software isn’t typically burned onto a CD-ROM and stocked on a store shelf; updates can be pushed to your laptop or smartphone remotely. This makes it easier to add features or fix bugs after releasing the product.
.. Despite discussions over whether the Manifesto itself should be amended, many of the original signers see the document as a historical—not a living—document. “It’s like a Declaration of Independence in U.S. history,” says Cockburn. “You don’t go back and rewrite that.”
.. “Now you can go to a conference, and there’s aisle after aisle of people who are selling you computer tools to run your process. And they say it’s Agile,” says Cunningham. He points to the first value of the Agile Manifesto. “It says, ‘Individuals and interactions over processes and tools.’ How did [Agile] become a process-and-tools business?”
.. The monetization of Agile aside ..
.. the “most annoying aspect right now” is that Agile “has been taken over by the project-management people,” leaving “the technical people and the technical ideas” behind.
.. Sutherland says he sees teams in Silicon Valley that claim to be Agile, but are “not delivering working product at the end of a short iteration.”