Capitol One Bank wins the race for first to be held accountable by the new Consumer Financial Protection Bureau. Yesterday, the [CFPB announced its first public enforcement action](, fining Capitol One $210 million for targeting credit card holders who are unemployed or have low credit scores with deceptive marketing. The bureau found that call center agents hired by Capitol One told its most cash-strapped borrowers that a list of add-on products, such as payment protection and credit monitoring, were mandatory or free. They were neither. CFPB Director Richard Cordray had strong words to go with the fine: "We are putting companies on notice that these deceptive practices are against the law and will not be tolerated."