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Consumer Financial Protection Bureau

Consumer Financial Protection Bureau

The Federal Government Can't Seem to Decide How the CFPB Is Funded

The Solicitor General's brief defending how the CFPB is funded contradicts what the agency and others have said in the past.

Jonathan H. Adler |The Volokh Conspiracy | 12.6.2022 9:29 AM

The Fifth Circuit Court of Appeals ruled this week that the Consumer Financial Protection Bureau's funding structure is unconstitutional.

Consumer Financial Protection Bureau

Why the Consumer Financial Protection Bureau's Funding Structure Is Unconstitutional

The Fifth Circuit Court of Appeals is right to notice that the CFPB is unique even among federal agencies that don't get their funding from Congress.

Eric Boehm | 10.21.2022 2:10 PM

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Cryptocurrencies

Regulators Threaten Coinbase and Cryptocurrency Innovation

Innovation should be more important than regulation.

Eric Peterson | 9.23.2021 4:00 PM

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Financial Regulation

Why Does the CFPB Want To Protect Teens From Cryptocurrencies?

Rather than let students weigh crypto costs and benefits on their own, the Consumer Financial Protection Bureau claims to know best.

Fiona Harrigan | 5.25.2021 9:15 AM

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Property Rights

Federal Regulators Require Rent Collectors To Lie About the CDC's Illegal Eviction Moratorium

The Consumer Financial Protection Bureau claims to be enforcing a law that prohibits "false or misleading representations."

Jacob Sullum | 5.4.2021 5:00 PM

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Supreme Court

Biden Just Used a 'Far Right' SCOTUS Ruling To Oust a Trump Appointee

The new president availed himself of Seila Law v. Consumer Financial Protection Bureau.

Damon Root | 1.22.2021 1:36 PM

Volokh Conspiracy

UCLR Online Symposium on Seila Law v. CFPB

A collection of essays analyzing one of the more important administrative law decisions of the October 2019 term.

Jonathan H. Adler |The Volokh Conspiracy | 8.27.2020 4:24 PM

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Supreme Court

Supreme Court Rules Against Consumer Financial Protection Bureau, Says Agency's Format 'Clashes With Constitutional Structure'

SCOTUS rules 5–4 in Seila Law v. Consumer Financial Protection Bureau.

Damon Root | 6.29.2020 2:40 PM

Supreme Court

With Chief in Charge, SCOTUS Strikes Down Louisiana Abortion Law and Eliminates CFPB Independence (Updated)

The Chief Justice provides the pivotal vote in the June Medical Services abortion case and Seila Law v. CFPB.

Jonathan H. Adler |The Volokh Conspiracy | 6.29.2020 10:51 AM

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Law & Government

The Constitutional Case Against the Consumer Financial Protection Bureau 

Will the Supreme Court question the underpinnings of the modern administrative state?

Damon Root | 4.13.2020 6:00 AM

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Supreme Court

This New Deal Precedent May Decide the Fate of Elizabeth Warren's Consumer Financial Protection Bureau

What’s at stake in Seila Law v. Consumer Financial Protection Bureau.

Damon Root | 2.10.2020 10:15 AM

Volokh Conspiracy

Could President Trump Control the CFPB After He Leaves Office? (Updated)

The Consumer Financial Protection Bureau could be completely independent of the next occupant of the White House.

Jonathan H. Adler |The Volokh Conspiracy | 2.10.2020 7:53 AM

Supreme Court

Can Courts Consider Severability Before Other Questions?

An interesting amicus brief by Professor John Harrison in Seila Law LLC v. CFPB

Jonathan H. Adler |The Volokh Conspiracy | 1.22.2020 5:22 PM

Separation of Powers

Is the CFPB Unconstitutional? We'll Soon Find Out. (Corrected)

The Supreme Court will consider a constitutional challenge to the composition of the Consumer Financial Protection Bureau.

Jonathan H. Adler |The Volokh Conspiracy | 10.18.2019 5:33 PM

Volokh Conspiracy

CFPB Decides that the CFPB Is Unconstitutional

In a newly filed brief with the Supreme Court, the Justice Department claims the Consumer Financial Protection Board's structure is unlawful.

Jonathan H. Adler |The Volokh Conspiracy | 9.17.2019 10:58 PM

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Elizabeth Warren

Elizabeth Warren's Plans Don't Add Up

The Warren worldview of ill-founded economic pessimism is both bloodless and moralizing.

Peter Suderman | 9.10.2019 6:00 AM

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Consumer Financial Protection Bureau

House Republicans Decide Some Dodd-Frank Reform Is Better Than None

After a monthslong showdown with the Senate, House leaders have agreed to pass a modest set of financial regulation reforms.

Eric Boehm | 5.11.2018 3:55 PM

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Consumer Financial Protection Bureau

Keith Ellison Thinks 'Frosted' Glass Is an Assault on Government Transparency

The Minnesota Representative took CFPB Director Mike Mulvaney to task for 'frosted' glass office.

Christian Britschgi | 4.12.2018 11:15 AM

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Elizabeth Warren

Under Trump, Elizabeth Warren Suddenly Discovers the Downside of Unaccountable Federal Agencies

Maybe don't give the other side the rope to hang you with.

A. Barton Hinkle | 3.21.2018 12:00 PM

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Crime

En Banc D.C. Circuit Upholds Constitutionality of CFPB

A divided D.C. Circuit holds Congress may insulate the Consumer Financial Protection Bureau from Presidential Control. Will the Supreme Court agree?

Jonathan H. Adler |The Volokh Conspiracy | 1.31.2018 11:03 PM

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Consumer Financial Protection Bureau

CFPB Is Constitutional, Court Rules, in Victory for Unaccountable Bureaucrats Everywhere

The D.C. Circuit says the structure of the Consumer Financial Protection Bureau is OK.

Eric Boehm | 1.31.2018 2:30 PM

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Consumer Financial Protection Bureau

Fight Over CFPB Director Shows—Again!—How Powerful Government Entities Backfire on Their Creators

Liberals and progressives might soon find themselves agreeing with libertarian critiques of the CFPB's unaccountable structure and powerful director.

Eric Boehm | 11.28.2017 4:01 PM

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Consumer Financial Protection Bureau

The Consumer Financial Protection Bureau Now Has Two Different Acting Directors

The legal squabble is really a proxy battle over whether the agency will be subject to meaningful political oversight.

Peter Suderman | 11.27.2017 2:45 PM

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Consumer Financial Protection Bureau

Defenders of the CFPB's Newest Financial Regulation Are Ignoring Crucial Facts

Senate Republicans could vote as soon as this week to repeal the CFPB's ban on arbitration clauses.

Eric Boehm | 9.27.2017 2:15 PM

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Cybersecurity

Would Data Breach Notification Laws Really Improve Cybersecurity?

Responses to top-down federal dictates are hard to predict.

Andrea O'Sullivan | 9.26.2017 8:30 AM

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Consumer Financial Protection Bureau

Senate Republicans Aim to Block New Consumer Financial Protection Bureau Rule

It's the latest effort to use the Congressional Review Act to assert the authority of elected lawmakers over appointed bureaucrats.

Eric Boehm | 7.21.2017 1:10 PM

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Consumer Financial Protection Bureau

Nevertheless It Persists: The Consumer Financial Protection Bureau Fights Trump, Congress, and Federal Courts in Effort to Remain Unaccountable to Anyone

The CFPB is fighting a three-front war against Congress, the Trump administration, and in the courts to maintain its unaccountable status.

Eric Boehm | 6.2.2017 9:15 AM

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Regulation

The Most Potent Federal Regulatory Agency Will Answer Solely to Donald Trump

And the potential for Trump to abuse the power of the Consumer Financial Protection Bureau is huuge.

Eric Boehm | 12.6.2016 2:14 PM

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Consumer Financial Protection Bureau

A Limited Victory for Limited Government as CFPB's Structure Ruled Unconstitutional

Tuesday's federal court ruling won't stop the Consumer Financial Protection Bureau from acting, but will give the president more control over its activities.

Eric Boehm | 10.11.2016 5:18 PM

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Payday Lending

Feds Know What's Best For Your Personal Finances

Cracking down on payday lending

Eric Boehm | 6.11.2016 10:00 AM

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Economics

The Consumer Financial Protection Bureau Should Stop Hurting the Poor

Why overregulation of payday lenders is a bad idea

Veronique de Rugy | 10.22.2015 8:07 AM

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Reasontv

Operation Choke Point: The Government's Covert War on Small Business

A program meant to stamp out fraud has put a stranglehold on legitimate industries.

Zach Weissmueller | 8.21.2015 9:30 AM

Politics

Elizabeth Warren Doesn't Understand Regulatory Capture. That's a Problem for a Would-Be Regulator.

Nick Gillespie | 12.20.2014 9:51 AM

Politics

3 Ways to Get More Americans Into Banking (That Don't Involve the U.S. Postal Service)

Policymakers should get out of the way and let entrepreneurs offer financial services that fit the needs of low-income Americans.

Jim Epstein | 2.25.2014 10:00 AM

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Politics

Warren Buffett's Deals Come at Taxpayers' Expense

How did Warren Buffett get his property so cheap? Simple! You paid for it.

Ira Stoll | 2.24.2014 4:30 PM

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Civil Liberties

Consumer Financial 'Protection' Bureau Hoovers, Stores and Shares Your Information

J.D. Tuccille | 7.5.2013 7:43 PM

Civil Liberties

Federal 'Consumer' Agency Snoops on Private Financial Data, Too

Well ... Of course it does

Reason Staff | 7.5.2013 6:00 PM

Policy

Employees Flee Consumer Financial Protection Bureau

They'd rather work in the private sector

Reason Staff | 6.3.2013 7:20 PM

Policy

Consumer Financial Protection Bureau Takes First Legal Case

Debt settlement company indicted

Reason Staff | 5.7.2013 5:10 PM

Policy

Consumer Finance Protection Bureau Issues FOIA Rule

Information they receive subject to FOIA requests

Reason Staff | 3.27.2013 3:20 PM

Politics

GOP Threatens to Block Consumer Bureau Pick

Wants restructuring to give Congress oversight

Reason Staff | 2.1.2013 6:10 PM

Politics

Consumer Financial Protection Bureau Outlining New Mortgage Rules

To protect lenders and borrowers, the agency says. Curbing intervention in the housing market would do that better

Reason Staff | 1.10.2013 9:24 AM

Policy

The Constitutional Case Against the Consumer Financial Protection Bureau

Damon Root | 11.19.2012 4:17 PM

Economics

The Case Against the Consumer Financial Protection Bureau

Damon Root | 8.3.2012 2:33 PM

Politics

Photo of the Day: Remember When Ads Tried to Get You to Spend?

Tim Cavanaugh | 3.26.2012 4:11 PM

Politics

A Majority of Voters Favor Increased Competition Rather than Increased Regulations to Hold Companies Accountable

Reason Staff | 7.8.2011 1:26 PM

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