A year ago this month, White House budget director Mick Mulvaney took control of the Consumer Financial Protection Bureau and made no secret that change was coming to an agency long vilified by his fellow Republicans.

Noting repeatedly that elections had consequences, he advocated a softer enforcement approach, dropped pending lawsuits and declared an end to the days of the CFPB “pushing the envelope.” But a year later, the CFPB is showing no signs of pulling back from what is perhaps its most prominent pending enforcement action: a case, brought just days before President Donald Trump’s inauguration, against the student loan company Navient.