Consumer Bankers' Johnson Talks Late Fees and Why Chopra Must Meet With Industry

Also, Fed unveils master accounts; PCAOB on crypto audit issues

[Note to readers: Capitol Account is off Monday for the federal holiday.]

Friday Q and A: As CFPB Director Rohit Chopra’s testimony in the House and Senate this week showed, there’s a wide disparity of views about the aggressive regulator. Even as Democrats thanked him for standing up for regular people against Wall Street, Republicans likened him to Jos…