In this file photo, Consumer Financial Protection Bureau Director Richard Cordray speaks during a a hearing in Denver where he discussed his agency's proposal on arbitration, in Denver, Colo., Wednesday, Oct. 7, 2015. If enacted, the plan would severely curtail a contentious practice called mandatory arbitration, which consumer advocates have long argued does a disservice to people who have disputes with banks, credit card issuers and other financial service providers. (AP Photo/Brennan Linsley) **FILE**
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