I should note, however, that month-to-month changes in this measure are much more volatile than the employment measure from the establishment survey, which is why the Federal Reserve puts more weight on the establishment survey for the purposes of short-term forecasting.
However, we have learned that even the best disclosures may not always sufficiently protect consumers from unfair practices. Accordingly, we have written rules providing strong substantive protections for mortgage borrowers and credit card users. For example, last year the Board adopted new regulations under the Home Ownership and Equity Protection Act to better protect consumers with higher-priced mortgages.