"All too often, government regulations have resulted in more harm to consumers. Both consumers and businesses would be better off if they were free from government interference.Below are 5 examples of how regulations in the name of consumer financial protection actually work to hurt consumers, relegating many to the fringe of financial services."
https://fee.org/articles/5-ways-consumer-protection-hurts-consumers/
https://fee.org/articles/5-ways-consumer-protection-hurts-consumers/