Strengthens and clarifies how civil investigative demands (CIDs) from the consumer finance regulator are issued and challenged. It lets an advising attorney ask the Bureau clarifying questions about a demand and allows the Bureau to respond and, if needed, extend the return date and the deadline to file a petition. It also expands confidentiality to cover what’s in a petition challenging a CID, spells out the legal reasons a demand can be set aside, and makes the Bureau’s denial of a petition reviewable in court. This aims to improve due process for investigated parties without changing the Bureau’s core enforcement powers.