AI agents are transforming consumer finance by negotiating loans, managing transactions, and handling customer support, but this shift raises ethical concerns such as automation bias and the potential exclusion of vulnerable populations. The article discusses the Model Context Protocol (MCP) as a key enabler for these agents and emphasizes the need for regulatory frameworks and cultural habits to ensure transparency and accountability in their operations. A balanced approach is essential to harness the benefits of AI while preserving human oversight and equitable access.