After a quiet first year, the Consumer Financial Protection Bureau's latest action has surprised many not just because it targeted a law firm, but because of the tactics it used to pursue the case. The agency secured a restraining order (freezing the assets of the firm) and filed a civil enforcement action in federal court before notifying the firm. "The CFPB has definitely come out with guns blazing," says Michael Mallow, a partner with law firm Loeb & Loeb.