President Obama has assembled a new lineup of agency heads and top-ranking officials to implement scores of federal rules designed to enact the administration's policy shifts during the president's second term.

These new lieutenants include Richard Cordray, who was confirmed by the Senate in July as Director of the Consumer Financial Protection Bureau (CFPB). Mr. Cordray has taken an assertive stance at the CFPB, which was created two years ago in response to the 2008 economic crisis. Observers expect the Bureau to remain on the offensive as officials tackle new regulations for an array of consumer financial services, including prepaid cards, debt services, and payday loans.

“I don’t think it's going to be like this forever, but I think in the near term, while Cordray is in office, I can’t imagine that he’s going to take his foot off the accelerator,” said Alan S. Kaplinsky, a partner at Ballard Spahr.

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