CFPB

CFPB California Style

CFPB California Style

A new California regulatory agency aims to combat federal rollbacks of consumer financial regulation.

Toward a “Unitary Executive” Vision of Article II?

Toward a “Unitary Executive” Vision of Article II?

The Supreme Court relied on misleading arguments and revisionist history to strike down the CFPB’s structure.

Revisiting the Constitutionality of Independent Agencies

Revisiting the Constitutionality of Independent Agencies

The Supreme Court has destabilized principles on federal agencies’ structures and for-cause removal.

Is Corporate Criminal Punishment Just Another Cost of Doing Business?

Is Corporate Criminal Punishment Just Another Cost of Doing Business?

Entity-level fines may not adequately deter corporate crime compared to other enforcement mechanisms.

Student Loan Disservice?

Student Loan Disservice?

A recent lawsuit highlights tensions between two federal agencies overseeing the management of student loans.

A Distinction in Agency Design Without a Difference

A Distinction in Agency Design Without a Difference

The Solicitor General says it is constitutionally relevant that one person heads the CFPB, but it is not.

Debating Independent Agencies

Debating Independent Agencies

The upcoming Supreme Court case challenging the constitutionality of the CFPB highlights modern debates about independent agencies.

Is Regulation Good for Business?

Is Regulation Good for Business?

Former CFPB Director argues that businesses often prefer clear prescriptive rules over general standards.

Can Sandboxes Protect Your Pocketbook?

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

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

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

Enforcing the Fair Credit Reporting Act Through Private Actors

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