The House of Representatives has passed a bill that would limit the U.S. Consumer Financial Protection Bureau’s 2013 auto lending guidance. That guidance notes that lenders either need to impose limits on or eliminate dealerships’ abilities to adjust, on a case-by-case basis, the amount of compensation they keep for arranging a consumer auto loan (known as a dealer reserve). So who then should these "powers" be bestowed upon? The Obama administration seems to prefer the CFPB maintain it's hold on lenders in these cases, as a means to avoid pricing discrimination. No one party should have the full "big brother" authority, but it doesn't seem that regulators are drawing up a smart and better way to help consumer lenders anytime soon.