Restoring American Financial Stability Act

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President Obama announces the nomination of former Ohio Attorney General Richard Cordray (right) as the first director of the Consumer Financial Protection Bureau (CFPB) on Monday, July 18, 2011, in the Rose Garden of the White House in Washington. (AP Photo/Manuel Balce Ceneta)

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Illustration: Consumer Financial Protection Bureau

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President Barack Obama, followed by Elizabeth Warren and Treasury Secretary Timothy Geithner, walks to the Rose Garden of the White House in Washington, Friday, Sept. 17, 2010, to announce that Warren will head the Consumer Financial Protection Bureau. (AP Photo/Pablo Martinez Monsivais)

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President Barack Obama, followed by Elizabeth Warren, center, and Treasury Secretary Timothy Geithner, walks of the Oval Office, to the Rose Garden of the White House in Washington, Friday, Sept. 17, 2010, where he announced that Warren will head the Consumer Financial Protection Bureau. (AP Photo/Susan Walsh)

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President Barack Obama, followed by Elizabeth Warren and Treasury Secretary Timothy Geithner, walks to the Rose Garden of the White House in Washington, Friday, Sept. 17, 2010, to announce that Warren will head the Consumer Financial Protection Bureau. (AP Photo/Pablo Martinez Monsivais)

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President Barack Obama, accompanied by Elizabeth Warren, right, and Treasury Secretary Timothy Geithner, left, announces that Warren will head the Consumer Financial Protection Bureau, Friday, Sept. 17, 2010, during an event in the Rose Garden of the White House in Washington. (AP Photo/Susan Walsh)

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President Barack Obama, accompanied by Elizabeth Warren, right, and Treasury Secretary Timothy Geithner, left, announces that Warren will head the Consumer Financial Protection Bureau, Friday, Sept. 17, 2010, during an event in the Rose Garden of the White House in Washington. (AP Photo/Susan Walsh)

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President Barack Obama shakes hands with Elizabeth Warren, right, as Secretary of Treasury Timothy Geithner left, looks on after announcing that Warren will head the Consumer Financial Protection Bureau, Friday, Sept. 17, 2010, during an event in the Rose Garden of the White House in Washington. (AP Photo/Pablo Martinez Monsivais)

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President Barack Obama, followed by Elizabeth Warren, center, and Treasury Secretary Timothy Geithner, walks of the Oval Office, to the Rose Garden of the White House in Washington, Friday, Sept. 17, 2010, where he announced that Warren will head the Consumer Financial Protection Bureau. (AP Photo/Susan Walsh)