text: Yes - credit cards and banking.   They should be regulated consistently with a view to avoiding "consumer arbitrage".
  
  For example:  credit card reporting to the credit scoring firms (e.g., Equifax) plays a big role in determining how much money bank's charge for consumer financing.   To say this process is opaque and poorly understood is an understatement and there is little or no accountability to consumers.   This needs to change as there is a huge conflict of interest built in.   Credit scoring firms also need to become more accountable, and should be required to disclose their,... (ahem) models.