Seldom has a new government agency done more for citizens at a lower cost to taxpayers than the Consumer Financial Protection Bureau, or CFPB. In just five years of existence, it has returned $12 billion of illegal or inappropriate fees to consumers of financial products. Who knows how many other bad actions weren't taken because of the presence of a strong regulator. We missed out on our first choice for the CFPB's leadership (although I heard she found other work), the Bure