Yesterday, the Consumer Financial Protection Bureau took its first major enforcement action since it began operating a year ago, ordering Capital One Bank to refund about $150 million to two million credit card customers. Bureau Director Richard Cordray says Capital One's telephone vendors used deceptive marketing to sell add-ons like credit monitoring and debt protection. Americans have lost confidence in banks and credit card companies. Is government protection against predatory lending the answer? As the new Consumer Financial Protection Bureau takes its first major action, will it make things better or worse?