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President Obama, accompanied by Richard Cordray, visits a home in Cleveland on Wednesday, Jan. 4, 2012. In a defiant display of executive power, Mr. Obama bucked Senate Republican opposition to appoint Mr. Cordray as the nation's chief consumer watchdog. (Associated Press)

President Obama, accompanied by Richard Cordray, visits a home in Cleveland on Wednesday, Jan. 4, 2012. In a defiant display of executive power, Mr. Obama bucked Senate Republican opposition to appoint Mr. Cordray as the nation's chief consumer watchdog. (Associated Press)

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