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Today, new CFPB director Kathy Kraninger testifies to Congress for the first time. The House Financial Services Committee will need to drill down with tough questions. Why? Kraninger's written pre-filed statement reads like an answer to a warped question from old television's Sergeant Joe Friday: "Just the irrelevant, off-point facts, ma'am." The committee should also look to the cogent testimony of consumer, civil rights, military family and student advocates also appearing today.

Good news came out of Denver City Council last night after they unanimously passed new safety and operational rules for electric scooters to allow their use in bike lanes and on city streets that have speed limits under 30 mph.

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