WASHINGTON — As the government builds a new regime for writing consumer protection rules, an existing bank regulator has put a twist on enforcing them.

For most of the past decade the Federal Deposit Insurance Corp. had combined safety and soundness oversight in the same division with consumer compliance. But in the wake of the crisis and the creation of the Consumer Financial Protection Bureau to draft rules for all banks, the agency split the functions into two distinct arms, launching the Division of Depositor and Consumer Protection.

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