The purpose of this legislation is to amend the Consumer Financial Protection Act of 2010 to clarify how the Bureau of Consumer Financial Protection can enforce laws against unfair, deceptive, or abusive acts and practices (UDAAP). The goal is to create clearer standards for enforcement actions, ensuring that businesses understand their obligations and consumers are better protected. Key provisions of this legislation include several important changes. First, it requires the Bureau to establish rules for assessing civil penalties, including how mitigating factors should be applied.