As a key author of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Senator Warner has been a leader in the effort to hold the financial industry accountable and protect consumers from harmful financial practices. As a member of the Senate Banking Committee, he has fought to reform our broken housing finance system, so that taxpayers don’t end up on the hook for another bailout of the large Government Sponsored Enterprises (GSEs) Fannie Mae and Freddie Mac, while preserving access to affordable housing. Senator Warner has also led efforts to protect consumers from cyber theft, data breaches, as well as unscrupulous business practices, which often target the most vulnerable populations, including student borrowers and military families.