US President Barack Obama speaks with William Eason (L) and his wife, Endia (R), alongside Richard Cordray (2nd L), about predatory mortgage lending and the impact on the economy in Cleveland, Ohio, on January 4, 2012. The Easons almost lost their home after becoming victims of predatory lending by a mortgage broker. Obama plans to appoint Cordray as acting head of the Consumer Financial Protection Bureau in a recess appointment, bypassing Congress and setting up a bitter election-year legal showdown with Republicans. AFP PHOTO / Saul LOEB (Photo credit should read SAUL LOEB/AFP/Getty Images)