Among its service to American consumers: returning more than $21 billion to 205 million people; saving more than $5 billion by capping bank fees; fielding more than 6.8 million complaints about medical debt, student loan repayment and credit reporting; returning $183 million to veterans and service members for violations of the Military Lending Act; and removing $49 billion in medical collections from credit reports (anything under $500 cannot be included). Signed into law in 2010 and enacted in 2011 as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has since established national bulwarks for consumers against high fees for credit cards, payday loans and banking transactions and overdrafts.