The polar opposite reaction to a one-vote margin of passage within the Senate Banking Committee reinforced why the nomination of Kathy Kraninger by President Trump to be the next director of the Consumer Financial Protection Bureau appears to be so controversial.

Committee members approved by a vote of 13-12 on Thursday morning to forge ahead with Kraninger’s nomination to be considered by the full Senate. Organizations such as the American Financial Services Association immediately applauded the action.

“The American Financial Services Association (AFSA) supports the Senate Banking Committee’s approval of the nomination of Kathy Kraninger as the next director of the Bureau of Consumer Financial Protection (BCFP) and is pleased to see her nomination pass the Banking Committee. We urge the full Senate to confirm her nomination,” said Chris Stinebert, president and chief executive officer of AFSA.

In written testimony submitted at a hearing before the Banking Committee in July, AFSA pointed out that Kraninger outlined her goals for managing the bureau, emphasizing that “the bureau should be fair and transparent, ensuring its actions empower consumers make good choices and provide certainty for market participants.”

Meanwhile, consumer advocates reiterated their consternation with possibly having Kraninger replace Richard Cordray, the CFPB’s first director appointed by President Obama who departed the agency last November and now is running for governor in Ohio.

“We deserve a consumer champion at the CFPB, not Kathy Kraninger. She has no record of consumer protection or holding powerful big banks, predatory lenders and other financial scammers accountable — key traits the American people expect in the nation’s chief consumer advocate,” said Karl Frisch, executive director of Allied Progress, which say it is a consumer watchdog organization.

“The truth is Kathy Kraninger’s career has been marked by too many examples of mismanagement for her nomination to warrant serious consideration let alone advancement with so many unanswered questions,” Frisch continued. “Whether it was bungling the terrorist watch list during the Bush administration or her ties to Trump’s family separation immigration policy and his disastrous response to the crisis in Puerto Rico following Hurricane Maria, Kraninger’s abysmal record should not be rewarded with a promotion.

“Since the day President Trump announced her nomination, Kraninger has refused to come clean about her role in a number of his controversial policies,” Frisch went on to say. “She showed during her confirmation hearing that she lacks not only the experience but also the candor to be an effective CFPB Director. When a nominee does little more than repeat word-for-word their refusal to answer basic questions about their record and views and the White House stonewalls the release of documents about their work, we should all be worried.”

Before the vote was conducted, Sen. Mike Crapo, an Idaho Republican and chairman of the Banking Committee, implored fellow lawmakers to approve Kraninger’s nomination, referencing her appearance before the group back in July.

“Ms. Kraninger comes with significant leadership experience at federal agencies and on Capitol Hill, with particular expertise in the budget and appropriations processes,” Crapo said. “At her hearing, Ms. Kraninger reiterated her dedication to fulfilling the Bureau’s congressional mandate, ensuring all consumers have access to markets for consumer financial products and services that are fair, transparent and competitive.

“Given her depth and diversity of public service experience, I have the utmost confidence that she is well prepared to lead the bureau in enforcing federal consumer financial laws, protecting consumers’ sensitive personal financial information, expanding access to credit, and making the bureau more transparent and accountable,” he went on to say.

Later in his opening statement, Crapo added, “The Bureau of Consumer Financial Protection was the most polarizing part of Dodd-Frank, and it is not surprising that the confirmation votes of Richard Cordray and now Kathy Kraninger are contentious.”

As of Thursday, there was not a definitive time when Kraninger’s nomination might be considered by the entire Senate.