“Lisa Donner, executive director of Americans for Financial Reform, said in a statement after Obama’s recess appointment that ‘consumers won today when President Obama defied Wall Street interests to make a recess appointment’ of Cordray. Obama, she said, ‘stood with consumers and families in making this crucial decision.’ Now that the CFPB has a director, Donner went on to say, the CFPB “finally has its full authority to protect consumers everywhere in the financial marketplace, from a Wall Street bank to a payday lender or from a mortgage company to a credit bureau or anywhere else.'”