Rich Cordray did. Rich was fearless, and he led by example. Among other things, he investigated Capital One for misleading customers about the costs of free add-ons to their credit cards—free services that actually cost customers a total of $140 million. (He ultimately forced Capital One to send the hidden fees back to every customer—and not one customer had to file papers or ask for a refund because the checks came automatically in the mail. Rich and his team also hit up the company to pay an additional $25 million fine.)