[Richard Cordray, director of the U.S. Consumer Financial Protection Bureau (CFPB), speaks at the Brookings Institution in Washington, D.C., U.S., on Thursday, Jan. 5, 2012. The CFPB will begin supervision of mortgage servicers, payday lenders and student-loan companies in an immediate expansion of its authority under the Dodd-Frank Act, Cordray said. Photographer: Andrew Harrer/Bloomberg @*@*@* Richard Cordray] *** [] **DP OUT,OS OUT,HOY OUT**