The government watchdog group Judicial Watch reported on June 27 that the Consumer Financial Protection Bureau (CFPB) has outlined a program that would allow the agency to track the financial records of 5 million Americans, using credit information in a variety of research projects. The program's guidelines suggest, "The panel shall include 5 million consumers, and joint borrowers, co-signers, and authorized users. The initial panel shall contain 10 years of historical data on a quarterly basis. [And contractors] shall provide a persistent consumer identifier making it possible to follow consumers over time." CFPB officials say the data will be used to "analyze industry trends, conduct research about household finances, and assess the impact of its proposed rules on consumers and industry."