CFPB

Can Sandboxes Protect Your Pocketbook?

The CFPB has proposed new regulatory tools to promote innovation in the financial services sector.

CRA Resolutions Against Agency Guidance Are Meaningless

GAO is wrong to think that Congress can use the CRA to overturn agency guidance.

Reining in Technocracy to Increase Democratic Legitimacy

Reducing the power of technocrats will strengthen democratic legitimacy and political stability.

Enforcing the Fair Credit Reporting Act Through Private Actors

Scholar argues that more private enforcement mechanisms will strengthen consumer credit reporting.

Waiving Credit Freeze Fees

The Dodd-Frank rollback will prohibit credit bureaus from charging fees to freeze credit reports.

Executive Power and the CFPB

D.C. Circuit weighs constitutionality of the consumer financial watchdog’s organizational structure.

Guidance and the Congressional Review Act

Congress faces issues in attempting to apply regulation-removing law to agency guidance.

The Dangerous Consequences of Repealing the CFPB’s Arbitration Rule

Without the possibility of class action lawsuits, consumers are now more vulnerable to corporate fraud.

Repeal of Mandatory Arbitration Ban Is a Wall Street Giveaway

Critics of CFPB’s arbitration rule are wrong about who bears the harms of forced arbitration.

The CFPB’s Final Arbitration Rule Run Amok

New rule will raise costs, harming businesses, consumers, and the court system.

An Empirical Analysis of the Establishment of Independent Agencies

A divided government may not fully explain the creation of agencies not directly controllable by the President.

Are Independent Agencies Really Independent?

A federal court ruling revives questions about the insulation of independent agencies.