The consumer bureau, created by the 2010 financial overhaul law known as the Dodd-Frank Act, gained new powers to reach deep into the most mundane decisions of money-transfer agents, mortgage bankers, auto lenders and virtually anyone else who provides financial products and services.

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It's a transfer from ordinary non-defaulting taxpaying citizens to mortgage servicers.

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That said, if you have the excellent credit and paid-off credit card balance necessary to qualify for a 0% rate, it is possible to transfer money from your card into your checking account, and then pay the mortgage out of those funds.

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