Which agency keeps consumers safe when they open a credit card account or take out a home plan?

The agency is called Consumer Financial Protection Bureau ( CFPB ).

It is a federal agency that protects consumers' finances. It other words, it is responsible for consumer protection in the financial sector.

It regulates credit, debit and prepaid cards and monitors consumer loans. It oversees credit reporting, debt collection and financial advisory services. It also deals with mortgages, student loans and real estate transactions.

The CFPR was created in 2010 as a legislative response to the financial crises 2007-2008. It was authorized by the Dodd-Frank Wall Street Reform and Consumer Protection Act.

since most of current immigration into the u.s., both legal and illegal, is coming from latin america. it would be very difficult to imagine or rationalize a country my fellow citizens are trying desperately to flee into, would pose a threat to my prosperity or freedom. since the u.s. has a long history of intervention, but no record of permanent occupation, i would not feel oppression is the main objective.  

the largest free trade nation, along with the largest gdp in the world wanting to expand it's economic policy on us, and including us, could only be positive. the u.s. government has no interest in, or way of simply forcing american culture on us. and has no track record of it. other nations that adopted american social culture, or "americanization" did so voluntarily, mainly through the choice of allowing american businesses and u.s. citizens to come into their nations, as free operatives.