The battle over Mr. Cordray's nomination is over. It is time for Senate Republicans to take up the business of the nation's courts and address the nearly 200 million Americans living in jurisdictions with courts unable to function as designed.
Obama rebuffed Republican abuse. He called a legislative session that opens for three minutes every 72 hours while 99 Senators are vacationing what it is: recessed. And he made the appointments the country has needed for a long time.
5.1 percent of loans made to whites from 2004 to 2008 ended in foreclosure. For African Americans, the rate of foreclosure is 9.8 percent. For Latinos, it is 11.9 percent, more than double the white rate.
Despite not having a confirmed director, the Consumer Financial Protection Bureau has already demonstrated how effective it can be. Only in the most polarized political environment could its goals be considered controversial.