The Trump administration has nominated Kathy Kraninger to be the next director of the Consumer Financial Protection Bureau, and Roll Call reports that her confirmation hearing was “as politically contentious as it’s gotten in the last year and a half” on the otherwise “senatorial Senate Banking Committee.” Ignore the political drama. The real story is the fact that the bureau has been making some very positive changes under acting Director Mick Mulvaney, a founding member of the House Freedom Caucus.