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In its first enforcement actions, the Consumer Financial Protection Bureau (CFPB) caught the financial industry’s attention with restitution awards and refunds for consumers totaling $425 million and civil penalties exceeding $46 million. The CFPB also signaled its intention to ensure that financial institutions supervise their vendors, the products they sell and the services they provide. In addition, although the three enforcement actions involved credit card companies, the CFPB has warned that future enforcement actions will not be limited to credit card add-on products. Indeed, the director of the CFPB, Richard Cordray, recently acknowledged that “fixing the mortgage markets remains an urgent priority.” With final rules relating to mortgage products due by January 2013, the mortgage industry may be next.