When discussing the proposed consumer financial protection agency, the butcher, the baker and the candlestick maker aren't exactly what springs to mind. But the U.S. Chamber of Commerce is using the first two in advertisements as part of its effort to defeat legislation creating such an agency, arguing that the bill is so broad that your local baker and butcher would be covered if he or she offered their customers any kind of line of credit with their shop.

"The economy has made it tough on this local butcher's customers. So he lets some of them run a tab and pay the bill over time to help make ends meet," the ad says. "Virtually every business that extends credit to American consumers would be affected" by the new agency.

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