Granted, this isn't a popularity contest.

The Consumer Financial Protection Bureau is well over a year old and seems to be the perfect example of the old saying: you can't make everyone happy.

This is especially true when you're the CFPB addressing the issue of mortgage servicing rules.

Months after releasing its proposed mortgage servicing guidelines, the Mortgage Bankers Association submitted a response saying some of the rules go beyond Dodd-Frank and need to be carved back.

Yet, consumer groups claim the CFPB mortgage servicing standards do not go far enough to protect distressed homeowners.

The California Reinvestment Coalition along with the Housing and Economic Rights Advocates and Law Foundation of Silicon Valley said the rules improve servicing and provide for more transparency.

But, they also claim the regulations fail to "create a minimum standard of ethical, required treatment of homeowners facing difficulties paying their mortgage."

Those groups also wanted the servicing guidelines to end dual tracking, which is the process of firms working on a foreclosure while simultaneously working on a loss mitigation solution.

"The California State Legislature passed the Homeowner Bill of Rights this year, which ends “dual track” and gives homeowners a fighting chance at getting a modification before the bank pursues foreclosure," the advocacy groups said. "The current proposal from the CFPB is a retreat from this hard-fought victory, and should be amended to be at least as strong as California’s law."

So, the CFPB shows you can't win them all, or even very many.