Instead, the company spends more time parsing through a person's LinkedIn profile to determine how long users have held jobs, the number and quality of connections in their industry and geography and the seniority of their connections.

WSJ: Bad Credit? Start Tweeting

That means a broker has less incentive to push you into one plan versus another, but also less incentive to spend a lot of time with you parsing every detail of the plans.

FORBES: Investment Guide: Self-Employment

Experts with time and resources: The bureau points out that they devote their jobs to parsing terms and disclosures, studying mountains of data and having deep discussions with consumer advocacy and banking groups alike.

FORBES: The Soft Power of the Consumer Financial Protection Bureau