[rahimnathwani]

From what I read, it seems that:

1. The DFPI has existed since 2013 (when it was formed by the merger of two other agencies). It used to be called the DBO. It was renamed to DBO in 2020, but it is not new.

2. The California Consumer Financial Protection Law (CCFPL) is a recent law that gives the DFPI new powers and responsibilities.

3. The introduction of CCFPL did not change the accuracy or inaccuracy of the 'bankruptcy dischargeability provision language'. The CCFPL just made it the DFPI's job to stop any inaccuracies.

Is that correct?