The federal agency that oversees the practices of banks, mortgage lenders, and credit-card companies is

A) Regulation Z.
B) the Federal Reserve Board.
C) the Consumer Product Safety Commission.
D) the Consumer Financial Protection Bureau

Consumer Financial Protection Bureau

A U.S. government agency that aims to ensure consumers are treated fairly by banks, lenders, and other financial institutions.

Federal Reserve Board

The governing body of the Federal Reserve System, responsible for overseeing the nation's monetary policy and regulating banks.