Richard Cordray has the responsibility of being of the first director of the Consumer Financial Protection Bureau. After he was cleared to continue leading the bureau this past summer, the CFPB received more leeway to aggressively police the industry. Per The Washington Post:
We have a new challenge that’s different from other agencies, which is we’re building a program from scratch and supervising non-bank institutions. That’s a very interesting phenomenon in several respects, and it’s one of the key insights in the consumer protection part of [the] Dodd-Frank [financial reform law].