The CFPB was authorized by the Dodd-Frank Act in 2010. In addition to helping get Dodd-Frank through Congress, Obama appointed Elizabeth Warren as a special advisor to the Treasury in order to oversee the CFPB and help get it off the ground.
Yeah, this is pretty painful to watch. Trump is a piece of shit, but he’s way more forceful and even somewhat coherent. Meanwhile, Biden’s just above a whisper and is somewhere between stuttering and rambling.
I use Voice by Paul Woitaschek (available on F-Droid). It has a nice, simple interface and a few really useful features. I’ve gone through dozens of audiobooks in various formats with it and haven’t had any problems yet.
Also, I just like saying “Thanks, Obama”