The CBA and other industry groups are still pushing for legislation that would transform the bureau's structure.
Meanwhile, experts say, the relationship between banks and the agency is growing more contentious as it feels its way through these early challenges. The re-election of President Barack Obama quashed many opponents' hopes of defanging the agency before it got to work.
"The CFPB went full-throttle into the field, and in some cases has yet to determine what it would view as problematic," said Jonathan Pompan, a banking attorney with Venable. "You've got folks who are looking at organizations for the first time and making potentially very significant findings" that could cost them millions of dollars, he said.
___AP Business Writer Christina Rexrode in New York contributed to this report. Daniel Wagner can be reached at www.twitter.com/wagnerreports