Established following the financial meltdown caused by Wall Street’s and the banking industry’s mortgage-backed securities fiasco, the Consumer Financial Protection Bureau has been thorn in the side of banks, payday lenders and others. So it’s hardly surprising that Trump has named a free-market tea-partying right-winger like Mick Mulvaney to run the joint. Mulvaney has long made it his mission to gut the bureau and make the world safer for the sort of loosey-goosey financial chicanery that preys on poor and middle-class consumers and potentially leads to the economic catastrophe. Mulvaney claims his plan restores a federalist balance to the otherwise independent bureau by making it more responsive to elected officials — who, of course, are largely bought and paid for by financial special interests.