Americans for Financial Reform Education Fund, Better Markets, Center for Responsible Lending, Consumer Federation of America, National Association of Consumer Advocates, National Consumer Law Center (on behalf of its low income clients) and U.S. PIRG submit these comments in response to the request for comments on the Consumer Financial Protection Bureau’s (CFPB) proposed Advisory Opinion Program (AOP). We urge the CFPB to abandon the proposal, which will harm consumers by creating a one-sided avenue for industry to seek interpretations of the law that weaken consumer protections without public scrutiny or input.