How To Recover From Debanking
Thousands of people have lost their bank accounts over "suspicious" activity. Here's what to do if it happens to you.
Consumer Financial Protection Bureau
Consumer Financial Protection Bureau
How the CFPB's Medical Debt Rule Could Backfire
Scrubbing credit reports won’t erase debt—it will just make borrowing harder for low-income Americans.
Trump Has Good Reason To Complain About Limits on His Ability To Fire Executive Officers
His position is grounded in concerns about the separation of powers that presidents of both major parties have raised for many years.
The 5 Worst Things About the Consumer Financial Protection Bureau
The agency—an unelected regulator with a blank check—has spent much of its short life making things harder for the consumers it set out to protect.
Consumer Financial Protection Bureau
Elizabeth Warren's Hubris Allowed Trump To Defund the CFPB
Instead of isolating the CFPB from Congress' budget-making authority, Warren and former President Barack Obama made it easier for a president to effectively shut it down.
Consumer Financial Protection Bureau
Abolish the CFPB
This rogue agency stifles innovation, drives up costs, and infantilizes consumers—all while operating without accountability.
Regulation, Prohibition, and Litigation: Joe Biden's Busy Lame-Duck Period
Why should an unpopular president shape so much policy on his way out?
Capping Overdraft Fees Will Hurt Some of the People It Is Supposed To Help
An apt ending to Joe Biden's war on junk fees, which only made sense if you refused to acknowledge trade-offs and believed federal regulators are all-knowing.
Congress Could Overturn a New Rule Limiting Credit Card Late Fees. Good.
Sen. Tim Scott introduced a bill Monday to block the Consumer Financial Protection Bureau's action by invoking the Congressional Review Act.
Bureaucrats Are Moving To Cap Bank Overdraft Fees, Which Will Hurt the People It's Meant To Help
Many who see overdraft protection as preferable to other short-term credit options will have fewer choices as some banks decide the service isn't worth offering anymore.
Is It Unamicable to Reject the Argument of a Friendly Amicus Brief?
The Solicitor General rejects an academic argument offered in defense of the Consumer Financial Protection Bureau.
Banning Criminal Background Checks Will Lead To More Housing Discrimination, Not Less
The best reforms would correct the real problems of overcriminalization and overincarceration, as well as removing all artificial barriers to building more homes.
Lots of Administrative Law On Tap for Next Supreme Court Term
The Court will consdier whether to invalidate the CFPB's funding, narrow standing, and overturn Chevron, among other things.
The Government Wants To Cap Credit Card Late Fees. It Will Hurt the Poor.
Delayed payments will increase, and companies will respond by raising interest rates—or denying low-income applicants outright.
Federal Courts Clash Over Financial Watchdog's Constitutionality
The CFPB funding scheme is constitutional, the 2nd Circuit says.
Congress Should Not Give Any Government Agency Financial Free Rein
Lawmakers should proactively retake the power of the purse from the Consumer Financial Protection Bureau, regardless of how the Supreme Court rules.
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.
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.
Regulators Threaten Coinbase and Cryptocurrency Innovation
Innovation should be more important than 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.
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."
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.
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.
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.
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.
The Constitutional Case Against the Consumer Financial Protection Bureau
Will the Supreme Court question the underpinnings of the modern administrative state?
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.
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.
Can Courts Consider Severability Before Other Questions?
An interesting amicus brief by Professor John Harrison in Seila Law LLC v. CFPB
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.
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.
Elizabeth Warren's Plans Don't Add Up
The Warren worldview of ill-founded economic pessimism is both bloodless and moralizing.
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.
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.
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.
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?
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.
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.
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.
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.
Would Data Breach Notification Laws Really Improve Cybersecurity?
Responses to top-down federal dictates are hard to predict.
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.
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.
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.
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.
The Consumer Financial Protection Bureau Should Stop Hurting the Poor
Why overregulation of payday lenders is a bad idea
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.
