… This Article focuses on the likely fallout for American households as a result of expiring
moratoria and provides a regulatory path for steering creditors to offer borrowers workable
loan modifications or else to bring people to the point of reckoning with their debts in
bankruptcy. For each forborne debt, borrowers will have to … " In light of this trajectory, Part
IV introduces and advocates for regulatory intervention, via the Consumer Financial
Protection Bureau ("CFPB")'s statutory powers, to incentivize and steer consumer credit …