When the CFPB enhanced rules relating to UDAAP, the Bureau also strengthened supervision strategies for Customer Complaint Programs. The alphabet soup of regulations falling within the CFPB’s purview all carry with them the additional risk of UDAAP, and as a result the Bureau expects financial organizations to have comprehensive Customer Complaint Programs, and to receive, investigate and resolve complaints timely and effectively. For the more strategic, forward-thinking organizations, however, customer complaints do more than criticize: they provide invaluable insights for product development, organizational change, and process enhancements.