Capital One will be facing a challenge to make sure the integration its recent acquisitions, HSCB’s credit card portfolio and ING Direct, doesn't trip the Consumer Financial Protection Bureau’s concerns. In July the company was the first bank the agency penalized.

"Capital One's integration efforts will be a test case for banks bringing new consumer finance operations on board, industry members say," writes American Banker’s Maria Aspan.

"You really have to scrub a portfolio to make sure that you're not bringing on issues that you know the regulators may find problematic," said Alan Kaplinsky of Ballard Spahr.

For the full piece see "CFPB Adds Pressure as Capital One Integrates Deals" (may require subscription).