In the absence of strong federal oversight, civil suits have been the primary outlet for enforcement of federal consumer protection laws such as the Fair Debt Collection Practices Act. However, the Consumer Financial Protection Bureau, set up under the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act, bolsters the U.S. government's enforcement of consumer debt-collection statutes. To that end, the agency has proposed regulations that will give it unprecedented authority to examine and supervise debt collectors. "It should be a dramatic change, in that until now the federal government has engaged in only a modest amount of enforcement of the Fair Debt Collection Practices Act," said attorney Charles Delbaum of the National Consumer Law Center, noting that private attorneys so far have been the ones to enforce the laws. CFPB director Richard Cordray has explicitly stated that his bureau intends to go after debt collection firms. "While debtors need to pay back their creditors, the methods used by some debt collectors are just unconscionable," he told attorneys general gathered in Washington earlier in March.