agency and created positions for some the appointees which did not exist under Cordray's tenure at the CFPB. In April 2018, Mulvaney said he would shut down public access to the CFPB's online database of consumer complaints where consumers could post complaints and the CFPB used to guide its investigations. Mulvaney said, "I don't see anything in here that says I have to run a Yelp for financial services sponsored by the federal government." As the database was mandated by law, it could not be shut down, only closed to the public. A review of Mulvaney's campaign contributions as a congressman showed that eight of the 10 firms with the most complaints about them had contributed to Mulvaney's campaigns. Under Mulvaney's successor, Kathy Kraninger, the proposal to keep complaints secret from public access was reversed, though corporations would be allowed space to respond to complaints on the CFPB's website, and the implementation of various changes to the way the complaints and enforcement actions would be presented, could present the subjects of complaints in a more favorable light. Under Mulvaney, at the same time publicly announced Bureau enforcement actions dropped to a quarter of their previous annual averages, consumer complaints rose substantially. In April 2018, Mulvaney announced a $1 billion fine against Wells Fargo for fraudulent practices. The case against Wells Fargo started prior to Mulvaney's tenure, and there were reports that Mulvaney considered dropping the case. Amid this reporting, Trump warned that the bank would be fined. In May 2018, The New York Times reported that Mulvaney worked two to three days a week at the CFPB, a few hours at a time. In August 2018, it was reported that Mulvaney was considering rolling back oversight of military lenders. The Military Lending Act was devised to protect military service members and their families from financial fraud, predatory loans and credit card gouging. White House chief of staff Appointment On December 14, 2018, Trump named Mulvaney as his acting White House chief of staff beginning in the new year. Prior to Trump's election, Mulvaney had characterized the future president as a "terrible human being," said he would be disqualified from office in an "ordinary universe," and described Trump's views on a wall on the US-Mexico border as "absurd and almost childish". On March 6, 2020, President Trump named Congressman Mark Meadows as Mulvaney's replacement. Tenure Upon assuming office as chief of