Dear Director Cordray:

We the undersigned consumer, civil rights, good government, and community  groups, and members of Americans for Financial Reform (AFR), congratulate the  Bureau on the inclusion of a public database as an integral part of the CFPB  complaint process.  This is a bold first step. We firmly believe that public access to  consumer complaints is a public service and will have extensive value to both  consumers as a pre-purchase tool, and for the Bureau as an effective way of  reducing the number of complaints it receives by providing individuals use of the  database as an early warning system.