Knowledge

Consumer Financial Protection Bureau

Source đź“ť

1196: 604: 1267: 1314: 1416: 3970: 195: 1347: 904:, asserting that the President has the authority under the FVRA to designate an acting CFPB Director. The OLC memo maintained that "both the Vacancies Reform Act and are available for filling on an acting basis a vacancy that results from the resignation of the CFPB's Director" but that "when the President designates an individual...outside the ordinary order of succession, the President's designation necessarily controls." This position was also supported by the General Counsel of the CFPB, Mary E. McLeod. 466: 1452: 1093:. Kagan wrote that "Today's decision wipes out a feature of that agency its creators thought fundamental to its mission—a measure of independence from political pressure." Kagan challenged the separation of powers argument presented by the majority: "Nowhere does the text say anything about the President's power to remove subordinate officials at will." The dissenting Justices did concur on the matter of severability of the remaining structure of the CFPB outside of the director. 1378: 1466: 4523: 1066:. Roberts wrote that the three current uses "are modern and contested. And they do not involve regulatory or enforcement authority comparable to that exercised by the CFPB." Roberts also wrote that the CFPB structure "is also incompatible with the structure of the Constitution, which—with the sole exception of the Presidency—scrupulously avoids concentrating power in the hands of any single individual." Roberts referred back to the precedent established by 4543: 4533: 1234: 1480: 5236: 38: 29: 854:, stated that the majority's decision has the court "second-guessing" the two political branches of government (Congress and the president) on how to structure the executive branch and "wipes out a feature of its creators thought fundamental to its mission—a measure of independence from political pressure." 759:
alleging that Morgan Drexen charged advance fees for debt relief services in violation of the Telemarketing Sales Rule and engaged in deceptive acts and practices in violation of the Consumer Financial Protection Act (CFPA). The CFPB won this lawsuit and Morgan Drexen was ordered to pay $ 132,882,488
718:
was introduced into the United States House of Representatives. The bill would have created a five-person commission and removed it from the Federal Reserve System. The CFPB would have been renamed the "Financial Product Safety Commission". The bill was also intended to make it easier to override the
686:
paid $ 98 million in fines and settlement fees in 2013. As the agency's methodology means it can only guess who may be victims of discrimination entitled to settlement funds, as of late 2015, the CFPB had yet to compensate any individuals who were victims of Ally's allegedly discriminatory practices.
611:
From its creation until 2017, the CFPB "has curtailed abusive debt collection practices, reformed mortgage lending, publicized and investigated hundreds of thousands of complaints from aggrieved customers of financial institutions, and extracted nearly $ 12 billion for 29 million consumers in refunds
915:
seeking a temporary restraining order and declaratory judgment to prevent Mulvaney from becoming acting director, Mulvaney was given access by unnamed individuals with the keys to the director's office on November 27 and ordered all CFPB employees to disregard any claims from English that she is the
681:
House Republicans criticized the methodology the CFPB uses to identify instances of racial discrimination among auto lenders. Because of legal constraints, the agency used a system to "guess" the race of auto loan applicants based on their last name and listed address. Based on that information, the
1018:
The Court issued its decision on June 29, 2020. The 5–4 decision ruled that the CFPB structure, with a sole director that could only be terminated for cause, was unconstitutional as it violated the separation of powers, vacating the lower court judgement and remanding the case for review. The Court
665:
criticized the CFPB for what was described as a "radical structure" that "is controlled by a single individual who cannot be fired for poor performance and who exercises sole control over the agency, its hiring and its budget." Moreover, the committee alleged a lack of financial transparency and a
352:
and services". According to its web site, the CFPB's "central mission...is to make markets for consumer financial products and services work for Americans—whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products". In 2016 alone
1111:
sued the CFPB over its 2017 rule that blocked lenders to attempt to collect funds from borrowers' accounts after two consecutive failed attempts, unless the borrower had consented. Part of its argument in the case was that the CFPB's budgetary structure was unconstitutional, as it did not receive
754:
and abusive practices, including attempts to regulate the practice of law (a function reserved for state bars), attempts to collect attorney-client protected material, and overreaching demands for, and mining of, personal financial information of American citizens, which has prompted a Government
564:(R-GA) said at one such congressional hearing, "Is the purpose of the database just to name and shame companies? Or should they have a disclaimer on there that says it's a fact-free zone, or this is fake news? That's really what I see happening here." Bill Himpler, executive vice president of the 840:
On June 29, 2020, the Supreme Court ruled in a 5–4 decision that the firing protections of the director are an unconstitutional restraint on the president's ability to oversee executive branch agencies. "Such an agency lacks a foundation in historical practice and clashes with constitutional
461:
and Special Advisor to the Secretary of the Treasury on the Consumer Financial Protection Bureau to set up the new agency. Due to the way the legislation creating the bureau was written, until the first director was in place, the agency was not able to write new rules or supervise financial
745:
A lawsuit filed July 22, 2013, by Morgan Drexen Integrated Systems, a provider of outsourced administrative support services to attorneys, and Connecticut attorney Kimberly A. Pisinski, challenged the constitutionality of the CFPB. The complaint, filed in the U.S.
504:
Republicans vowing to derail any nominee in order to encourage a decentralized structure of the organization. Senate Republicans had also shown a pattern of refusing to consider regulatory agency nominees. The CFPB formally began operation on July 21, 2011.
715: 677:
In 2014, some employees and former employees of the CFPB testified before Congress about an alleged culture of racism and sexism at the agency. Former employees testified they were retaliated against for bringing problems to the attention of superiors.
1102: 849:
from the remaining structure of the CFPB, and the Court ordered that "The agency may therefore continue to operate, but its Director, in light of our decision, must be removable by the President at will." The dissenting opinion, written by Justice
750:, alleged that the "CFPB's structure insulates it from political accountability and internal checks and balances in violation of the United States Constitution. Unbridled from constitutionally-required accountability, CFPB has engaged in 1046:. Roberts wrote that the CFPB structure with a single point of leadership that could only be removed for cause "has no foothold in history or tradition", and has only been used in four other instances: three current uses for the 243:, for-profit colleges, and other financial companies operating in the United States. Since its founding, the CFPB has used technology tools to monitor how financial entities used social media and algorithms to target consumers. 652:
In 2024, the Bureau limited credit card late fees to $ 8. The rule was blocked by a judge, but the reason given for the block was overturned by the Supreme Court giving the Bureau confidence that the rule will be implemented.
353:
most of the hundreds and thousands of consumer complaints about their financial services—including banks and credit card issuers—were received and compiled by CFPB and are publicly available on a federal government database.
872:
to the position of deputy director, and announced that he would leave office at the close of business that day. Cordray indicated that would make English the acting director after his resignation, citing provisions of the
738:, challenged the constitutionality of provisions of the CFPB. One year later, in August 2013, a federal judge dismissed the lawsuit because the plaintiffs had failed to show that they had suffered harm. In July 2015, the 2856: 942:(CID) to Seila Law, which required Seila Law to produce certain documents. Seila Law declined to comply with the CID and challenged the constitutionality of the CFPB. The CFPB brought a motion to enforce the CID to the 733:
Two lawsuits were filed in the early years of the CFPB; they were both dismissed by federal courts, but one was appealed and is still ongoing. The first one, filed on June 21, 2012, by a Texas bank along with the
481:
Elizabeth Warren, who proposed and established the CFPB, was removed from consideration as the bureau's first formal director after Obama administration officials became convinced Warren could not overcome strong
728: 3766: 624:
tools for consumers, including Ask CFPB, which compiles plain-language answers to personal finance questions, and Paying for College, which estimates the cost of attending specific universities based on the
3799: 2105: 512:
claim that it is a "vital tool that can help consumers make informed decisions". CFPB detractors argue that the CFPB database is a "gotcha game" and that there is already a database maintained by the
1733: 1119:
That opinion was appealed to the US Supreme Court, which reversed the 5th Circuit and upheld the CFPB's funding mechanism. May 2024, the Court ruled for the CFPB in a 7-2 decision written by Justice
1023:
from the rest of the statute establishing the agency, and thus "The agency may therefore continue to operate, but its Director, in light of our decision, must be removable by the President at will."
574:, as acting director of the CFPB, removed all 25 members of the agency's Consumer Advisory Board on June 5, 2018, after eleven of them held a press conference on June 3 in which they criticized him. 1684: 755:
Accountability Office ("GAO") investigation, commenced on July 12, 2013." On August 22, 2013, one month after Morgan Drexen's lawsuit, the CFPB filed its own lawsuit against Morgan Drexen in the
670:, expressed particular concern about travel costs and a $ 55 million renovation of CFPB headquarters, stating "$ 55 million is more than the entire annual construction and acquisition budget for 3534: 742:
affirmed in part and reversed in part, holding that the bank, but not the states that later joined the lawsuit, had standing to challenge the law, and returned the case for further proceedings.
4169: 916:
acting director. Both English and Mulvaney sent emails to the entire 1,600-person staff of the CFPB, each signing as "Acting Director" of the agency. On November 28, 2017, U.S. District Judge
3081: 3440: 2810: 2883: 4187: 1850: 560:
Testimony in US Congressional hearings of 2017 have elicited concerns that the wholesale publication of consumer complaints is both misleading and injurious to the consumer market. Rep.
4202: 3677: 3633: 2190:..."advanced the 'crown jewel' of the GOP-led regulatory reform effort, effectively gutting the Dodd-Frank financial regulations that were put in place during the Obama administration." 1135:
affirmed sanctions levied by the United States District Court for the Northern District of Georgia against the Consumer Financial Protection Bureau due to its conduct during discovery.
970: 943: 756: 739: 702:
On May 21, 2018, US President Donald Trump signed into law Congressional legislation repealing the enforcement of automobiles lending rules. On May 24, 2018, Trump signed into law the
821: 719:
CFPB decisions. It passed in the House of Representatives on February 27, 2014 and was received by the Senate on March 4. It was never considered in the Democratic controlled Senate.
290:. The CFPB qualifies as a large independent agency that was designed to consolidate its employees and responsibilities from a number of other federal regulatory bodies, including the 4979: 4232: 2472: 5295: 4015: 3733: 703: 5305: 4845: 4227: 4192: 4174: 874: 554: 427: 247: 171: 1912: 4391: 4376: 568:, a trade group representing banks and other lenders responded "Something needs to be done." "Once the damage is done to a company, it's hard to get your reputation back. 4796: 2063: 644:
In 2016, the CFPB took its first enforcement action against a company that the CFPB alleged had failed to properly protect the privacy and security of consumers data.
3756: 3320: 3584: 912: 3054: 2951: 1913:"President Obama Names Elizabeth Warren Assistant to the President and Special Advisor to the Secretary of the Treasury on the Consumer Financial Protection Bureau" 3028: 1518: 533:
sessions, and the possibility existed that the appointment could be challenged in court. This type of recess appointment was unanimously ruled unconstitutional in
3789: 877:
providing that the deputy director of the CFPB becomes acting director in the "absence or unavailability" of the director. Later the same day, however, President
4401: 2490: 1132: 3384: 1112:
funding through Congressional appropriations but requested its funding through the Federal Reserve. While the district court ruled against the association, the
4956: 1647: 938:
Seila Law LLC (Seila Law), a law firm that provided debt relief services, was under investigation by the CFPB. As part of its investigation, the CFPB issued a
957:
was dismissed. The 9th Circuit panel affirmed the District Court's ruling, and agreed that the Supreme Court's prior decisions upholding for-cause removal in
933: 3701: 1737: 3875: 3655: 2512: 1688: 989: 954: 814: 763:
In October 2016, the Court of Appeals for the District of Columbia Circuit ruled that it was unconstitutional for the CFPB director to be removable by the
4431: 3409: 3367: 3283: 2516: 1108: 662: 391: 2621: 2152: 845:
wrote in the majority opinion, which was joined by his conservative colleagues. The statutes around the Director's position on the CFPB were considered
4053: 4008: 3822: 1991: 212: 775:, wrote that the law was "a threat to individual liberty" and instead found that the president could remove the CFPB director at will. Circuit Judge 375:
under the CFPB. The bank will then be known as a CFPB regulated bank. The CFPB will examine the institution for compliance with bank regulatory laws.
4835: 833: 3441:"Leandra English, the woman at the center of a White House battle for control of the CFPB, files lawsuit against Trump pick to lead watchdog agency" 2759: 5310: 5300: 4179: 3140: 3091: 2709: 1789: 2442: 4503: 4416: 2231: 3422: 4926: 4791: 4441: 4411: 1966: 1847: 682:
agency charged several lenders were discriminating against minority applicants and levied large fines and settlements against those companies.
87: 5285: 4526: 4001: 2203: 3187: 2655: 4850: 4705: 4217: 2923: 4896: 4657: 3168: 2907: 1503: 1493: 747: 307: 3931: 1945: 4941: 4865: 4381: 2681: 2468: 542:
On July 16, 2013, the Senate confirmed Cordray as director in a 66–34 vote. Cordray resigned in late 2017 to run for governor of Ohio.
5121: 4951: 4579: 4212: 4078: 2378: 1498: 1195: 1063: 497:
to be the first formal director of the CFPB. Prior to his nomination, Cordray had been hired as chief of enforcement for the agency.
3723: 3629: 3598: 2587: 2090: 508:
Since the CFPB database was established in 2011, more than four million complaints have been published. CFPB supporters include the
5192: 4781: 4634: 4386: 1819: 2404: 2342: 4875: 4672: 4446: 2546: 1047: 565: 4662: 1592: 5131: 4860: 4830: 4751: 4314: 4068: 4048: 3234: 3113: 780: 626: 527:
to install Cordray as director through the end of 2013. This was a highly controversial move as the Senate was still holding
407: 299: 4891: 4612: 4073: 4024: 3212: 890: 303: 3474: 831:
In October 2019, the Supreme Court announced it would review the constitutionality of the Bureau's structure in the case
4299:
Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock (Reg U)
2360: 5036: 4921: 4436: 4345: 4063: 2836: 1880: 399: 2429: 2009: 1266: 5315: 4931: 4916: 4840: 4426: 439: 337: 232: 3912: 3893: 3567: 2976: 454:, a newly created umbrella organization of some 250 consumer, labor, civil rights and other activist organizations. 5159: 4786: 4617: 4406: 4324: 2857:"Standing Alone, But Firm; Morgan Drexen Presses Forth in Lawsuit Against the Consumer Financial Protection Bureau" 2841: 2178: 735: 483: 3003: 1895: 1815: 5114: 4607: 3691: 1538: 882: 671: 270:
the director without cause but allowed the agency to remain in operation. The Bureau is one of the agencies that
251: 3975: 2520: 1622: 828:
ruled against its structure. In January 2019, the Supreme Court denied review of the DC Circuit Court decision.
5154: 5031: 4766: 4761: 4207: 4121: 4058: 1313: 1184: 1055: 1051: 999: 764: 451: 322: 3500: 2565: 4936: 4870: 4771: 4572: 4355: 1485: 1116:
ruled in favor of the association in October 2022, deeming that its funding structure was unconstitutional.
378:
The regulations implemented by the Bureau are housed in Chapter X of Title XII Banks and Banking of the U.S.
311: 262:. The CFPB's status as an independent agency has been subject to many challenges in court. In June 2020, the 2308: 5185: 4855: 4667: 4493: 4396: 4270: 4260: 4255: 4164: 4154: 3257: 1415: 841:
structure by concentrating power in a unilateral actor insulated from Presidential control," Chief Justice
431: 395: 387: 383: 2133: 4421: 4350: 3988: 379: 263: 5170: 3894:"Evasive Deposition Tactics by the CFPB Supported Dismissal as a Sanction, Affirmed by Eleventh Circuit" 3535:"At the CFPB, two acting directors show up to take command; one brings doughnuts, the other well-wishes" 2282: 4641: 4360: 4319: 4159: 4043: 939: 729:
Dodd–Frank Wall Street Reform and Consumer Protection Act § Constitutional challenge to Dodd–Frank
458: 3347: 791:$ 109 million, but she dissented from giving the president a new power to remove the director, citing 716:
Consumer Financial Protection Safety and Soundness Improvement Act of 2013 (H.R. 3193; 113th Congress)
585:
to serve as director of the CFPB. His nomination was approved on September 30, 2021, by a 50-48 vote.
5051: 4961: 4629: 4602: 4149: 920:, who had been appointed by President Trump just a few months earlier, denied English's motion for a 687:
In 2016, the House voted to overturn its 2013 guidance, with 88 Democrats joining House Republicans.
603: 403: 1103:
Consumer Financial Protection Bureau v. Community Financial Services Association of America, Limited
595:
a choice between a settlement or litigation around its handling of fraud and scams on its platform.
557:, passed the House on June 8, 2017. Also in June 2017, the Senate was crafting its own reform bill. 5290: 5046: 4801: 4677: 4565: 4131: 4126: 3790:"With Chief in Charge, SCOTUS Strikes Down Louisiana Abortion Law and Eliminates CFPB Independence" 3673: 3651: 2379:"Supreme Court sides with the Consumer Financial Protection Bureau, spurning a conservative attack" 988:. While the Ninth Circuit and DC Circuit had held that the CFPB's structure is constitutional, the 792: 513: 315: 295: 267: 1346: 795:. The U.S. Court of Appeals for the District of Columbia Circuit vacated the decision and ordered 5178: 4756: 4624: 4477: 4222: 3757:"Supreme Court leaves consumer regulator standing but backs president's ability to fire director" 3321:"Supreme Court leaves consumer regulator standing but backs president's ability to fire director" 1597: 908: 897: 1002:—another agency whose director can be removed only for cause—violated the separation of powers. 588:
In June 2024, the CFPB proposed banning using medical debt in credit reports or loan decisions.
4776: 2784: 921: 784: 5126: 5073: 5026: 3696: 487: 357: 328:
The CFPB opened its website in early February 2011 to accept suggestions from consumers via
5149: 4498: 4472: 4329: 4309: 4197: 4139: 4096: 3936: 2040: 1457: 1426: 1244: 837:
considering the split decision of the lower courts. Oral arguments began on March 3, 2020.
546: 535: 501: 491: 435: 415: 411: 130: 8: 5109: 5041: 4106: 2928: 2443:"Consumer protection agency urges Americans to beware of Bitcoin, other cryptocurrencies" 2256: 2110: 1711: 1564: 1082: 772: 694:
as Director of the CFPB after being investigated by the Office of Special Counsel (OSC).
340:, the bureau is tasked with the responsibility to "promote fairness and transparency for 216: 3969: 805:
D.C. Circuit found that the CFPB's structure was constitutional by a vote of 7–3. Judge
194: 5091: 5067: 4725: 4698: 4265: 3993: 3850: 2884:"D.C. Circuit revives constitutional challenge to Consumer Financial Protection Bureau" 2068: 2035: 1513: 1059: 994: 776: 524: 443: 325:, monitors and reports on markets, as well as collects and tracks consumer complaints. 2736: 977:(2018), in which the Circuit found that the structure of the CFPB was constitutional. 767:
only for cause, such as "inefficiency, neglect of duty or malfeasance." Circuit Judge
321:
The CFPB writes and enforces rules for financial institutions, examines both bank and
5136: 4542: 4532: 4101: 3876:"Supreme Court Rules Consumer Financial Protection Bureau Funding Structure is Legal" 3794: 3542: 3508: 3448: 2629: 2595: 2316: 1950: 1876: 1655: 779:
agreed that the CFPB Director had been wrong in adopting a new interpretation of the
691: 349: 5220: 4144: 4116: 3979: 3385:"Leandra English Named Deputy Director of the Consumer Financial Protection Bureau" 2208: 1833: 1201: 947: 917: 863: 817:, while each of the circuit judges from the earlier panel wrote separate dissents. 810: 806: 621: 561: 447: 220: 80: 3984: 2204:"The House quietly voted to destroy post-financial-crisis Wall Street regulations" 2106:"Obama to use executive power to name consumer watchdog chief over GOP objections" 5259: 5254: 5085: 4588: 4536: 4508: 1854: 1471: 1352: 1272: 1233: 1120: 1090: 1043: 1031: 869: 788: 768: 667: 509: 494: 474: 291: 283: 259: 255: 158: 3851:"Existential Threat to CFPB Spotlights Massive Stakes of New Supreme Court Term" 1734:"Consumer Financial Protection Bureau Website Launched and Open for Suggestions" 465: 5000: 4946: 4730: 3029:"CFPB Wins Final Judgment Against Morgan Drexen for Illegal Debt-Relief Scheme" 2952:"Conn. attorney, support services provider sue CFPB over alleged 'data mining'" 2508: 1917: 1539:"Financial report of the Consumer Financial Protection Bureau Fiscal year 2021" 1324: 1086: 825: 683: 633: 550: 240: 2710:"Scaling back Dodd-Frank is just the beginning of Trump's run on deregulation" 1759: 457:
On September 17, 2010, President Obama announced the appointment of Warren as
5279: 4715: 4710: 4693: 3546: 3512: 3452: 2860: 2633: 2599: 2320: 1659: 1319: 1206: 1113: 981: 886: 666:
lack of accountability to Congress or the President. Committee Vice Chairman
571: 450:, who later became a US senator. The proposed CFPB was actively supported by 341: 287: 102: 89: 5264: 4546: 4290: 4111: 3823:"U.S. consumer protection watchdog's funding unconstitutional, court rules" 3387:. Washington, D.C.: Consumer Financial Protection Bureau. November 24, 2017 3141:"Full DC Circuit upholds structure of Consumer Financial Protection Bureau" 2491:"CFPB says US Supreme Court rulings justify reviving credit card fees rule" 2283:"Senate confirms Rohit Chopra to lead Consumer Financial Protection Bureau" 1508: 1421: 1302: 1222: 1039: 1035: 1027: 1020: 950:
granted the motion after finding the CFPB was constitutionally structured.
901: 878: 846: 842: 582: 520: 470: 271: 228: 144: 2785:"H.R. 3193 – Consumer Financial Freedom and Washington Accountability Act" 2469:"Dwolla Fined $ 100,000 by CFPB in First Data Security Enforcement Action" 2232:"Mick Mulvaney fires all 25 members of consumer watchdog's advisory board" 1377: 5200: 5079: 4720: 4467: 4462: 3913:"Richard Cordray resigns as head of Consumer Financial Protection Bureau" 3145: 2980: 1383: 1078: 851: 751: 372: 345: 236: 3258:"Supreme Court Divided on Trump's Power to Fire Head of Consumer Bureau" 2309:"Biden proposes to ban medical debt from credit reports, loan decisions" 1992:
Elizabeth Warren's Dream Becomes a Real Agency She May Never Get to Lead
1465: 4170:
Financial Institutions Regulatory and Interest Rate Control Act of 1978
3728: 1848:
The First Year of the Consumer Financial Protection Bureau: An Overview
1007: 787:
did not apply to the CFPB, and fining the petitioning mortgage company
2361:
Republicans Want to Sideline This Regulator. But It May Be Too Popular
632:
In 2014, the CFPB attempted to help consumers understand the risks of
4291:
Prohibition Against the Paying of Interest on Demand Deposits (Reg Q)
3916: 1402: 578: 529: 310:. The bureau is an independent unit located inside and funded by the 1648:"Is this the end of Project 2025, the plan that riled Donald Trump?" 1565:"Technology Regulation by Default: Platforms, Privacy, and the CFPB" 612:
and canceled debts." That figure had risen to $ 19 billion by 2024.
500:
However, Cordray's nomination was immediately in jeopardy due to 44
5225: 4995: 3963: 3634:
United States District Court for the Central District of California
3475:"Consumer bureau's top lawyer sides with Trump in leadership clash" 3352: 3284:"Supreme Court rules consumer bureau director can be fired at will" 2714: 2686: 1873:
Financial justice : the people's campaign to stop lender abuse
1239: 944:
United States District Court for the Central District of California
907:
On November 26, English (represented by former CFPB Senior Counsel
757:
United States District Court for the Central District of California
740:
United States Court of Appeals for the District of Columbia Circuit
185: 4557: 3724:"Case File: Seila Law LLC v. Consumer Financial Protection Bureau" 3568:
Consumer Financial Protection Bureau Has 2 Bosses Claiming Control
3175:. Vol. CCLXXI, no. 145. Dow Jones/News Corp. p. A5. 3827: 3086: 1019:
recognized that the statutes around the director of the CFPB was
797: 364: 333: 329: 3368:
Dueling Appointments Lead to Clash at Consumer Protection Bureau
3188:"Federal court rules consumer bureau structure unconstitutional" 3082:"The D.C. Circuit's gratuitous ruling on CFPB constitutionality" 3055:"Court Upholds Consumer Agency, Minus Its Leader's Job Security" 2811:"CFPB Reform Bill Introduced in House Designed to Pass Congress" 2682:"Trump signs bill blocking consumer bureau auto-lending measure" 2257:"PN116 — Rohit Chopra — Bureau of Consumer Financial Protection" 4980:
List of banks acquired or bankrupted during the Great Recession
1479: 1015:
on October 18, 2019, and heard oral argument on March 3, 2020.
924:
and allowed Mulvaney to begin serving as CFPB Acting director.
368: 4303:
Transactions Between Member Banks and Their Affiliates (Reg W)
3585:
Directors duel over control of U.S. consumer protection agency
3423:"Memorandum for Donald F. McGahn II, Counsel to the President" 2924:"Private firm sues CFPB, challenges board's constitutionality" 2103: 704:
Economic Growth, Regulatory Relief and Consumer Protection Act
3932:"Consumer bureau director resigns after Biden's inauguration" 3410:
CFPB's controversial structure looms over leadership showdown
2622:"House Republicans Clash With Consumer Protection Unit Chief" 2064:"Former Ohio Attorney General Picked to Lead Consumer Agency" 1967:"Former Ohio Attorney General Picked to Lead Consumer Agency" 1790:"Public window on financial complaints could be closing soon" 592: 4815: 3599:"President Wins Round in the Battle for the Consumer Bureau" 37: 28: 3761: 3325: 2195: 1930: 1712:"Regulatory Monitors: Policing Firms in the Compliance Era" 1357: 1277: 1030:
wrote the majority opinion joined by conservative Justices
900:
released an opinion, written by Assistant Attorney General
224: 2837:"Dodd–Frank Unconstitutional Power-Grab, Says New Lawsuit" 2517:
U.S. House of Representatives Financial Services Committee
1685:"FACTBOX-New US consumer financial bureau has wide powers" 516:
although that information is not available to the public.
286:, the Bureau's priorities are mortgages, credit cards and 250:, whose passage in 2010 was a legislative response to the 4846:
Dodd–Frank Wall Street Reform and Consumer Protection Act
3597:
Rogers, Katie; Bernard, Tara Siegel (November 29, 2017).
2656:"Consumer chief didn't violate ethics rules, agency says" 2359:
Steve Eder, Jessica Silver-Greenberg & Stacy Cowley,
2170: 2156: 913:
United States District Court for the District of Columbia
875:
Dodd–Frank Wall Street Reform and Consumer Protection Act
706:, exempting dozens of banks from the CFPB's regulations. 690:
Cordray was accused but cleared of any violations of the
555:
Dodd–Frank Wall Street Reform and Consumer Protection Act
486:
opposition. On July 17, President Obama nominated former
428:
Dodd–Frank Wall Street Reform and Consumer Protection Act
248:
Dodd–Frank Wall Street Reform and Consumer Protection Act
172:
Dodd–Frank Wall Street Reform and Consumer Protection Act
4266:
Reserve Requirements for Depository Institutions (Reg D)
4023: 3235:"Justices to review constitutionality of CFPB structure" 1519:
List of financial regulatory authorities by jurisdiction
965:
were "controlling". It also referred approvingly to the
4325:
Availability of Funds and Collection of Checks (Reg CC)
3114:"PHH Corporation v. CFPB, No. 15-1177 (D.C. Cir. 2017)" 2343:"JPMorgan considers suing consumer watchdog over Zelle" 1783: 1781: 1779: 1777: 549:, proposed by the House Financial Services Committee's 4957:
National fiscal policy response to the Great Recession
3501:"Battle for Control of Consumer Agency Heads to Court" 1096: 5296:
Financial regulatory authorities of the United States
4252:
Extensions of Credit by Federal Reserve Banks (Reg A)
3647:
Consumer Financial Protection Bureau v. Seila Law LLC
3625:
Consumer Financial Protection Bureau v. Seila Law LLC
2405:"Consumer-protection agency launches 'Ask CFPB' tool" 2091:"Four million complaints: More than just a milestone" 1736:. mybanktracker.com. February 7, 2011. Archived from 934:
Seila Law LLC v. Consumer Financial Protection Bureau
442:. The agency was originally proposed in 2007 by then 5306:
Independent agencies of the United States government
2949: 2402: 2104:
Nakamura, David; Sonmez, Felicia (January 4, 2012).
1946:"GOP stalls confirmation of consumer agency nominee" 1774: 1762:. United States Consumer Financial Protection Bureau 1447: 927: 857: 3692:"Is the CFPB Unconstitutional? We'll Soon Find Out" 2134:"SCOTUS rules against Obama on recess appointments" 2061: 1964: 1109:
Community Financial Services Association of America
581:formally submitted to the Senate the nomination of 477:
as the first director of the CFPB on July 18, 2011.
392:
Alternative Mortgage Transaction Parity Act of 1982
5076:(Europe, Middle East and North Africa, Asia; 2009) 4054:Federal Financial Institutions Examination Council 2760:"House to take another swing at Dodd–Frank reform" 2679: 889:, as acting director, citing the authority of the 336:, and its own website interface. According to the 213:independent agency of the United States government 4287:Privacy of Consumer Financial Information (Reg P) 3669:PHH Corp. v. Consumer Financial Protection Bureau 3004:"A tale of two lawsuits: CFPB sues Morgan Drexen" 2588:"Consumer Bureau Faulted on Auto Lending Inquiry" 1682: 868:On November 24, 2017, Director Cordray appointed 834:Seila Law v. Consumer Financial Protection Bureau 760:in restitution and a $ 40 million civil penalty. 5277: 4884: 3314: 3312: 3310: 3308: 3306: 3304: 2921: 2909:State National Bank of Big Spring, et al. v. Lew 2751: 2033: 1943: 663:United States House Financial Services Committee 4504:History of central banking in the United States 3781: 1590: 1126: 4927:American Recovery and Reinvestment Act of 2009 4792:Office of Federal Housing Enterprise Oversight 4315:Unfair or Deceptive Acts or Practices (Reg AA) 3755:Mangan, Dan; Higgens, Tucker (June 29, 2020). 3319:Mangan, Dan; Higgens, Tucker (June 29, 2020). 3213:"State National Bank of Big Spring v. Mnuchin" 2507: 2150: 5186: 4573: 4009: 3754: 3596: 3318: 3301: 2707: 2055: 2007: 1816:"What happens when a bank hits $ 10 billion?" 1787: 4851:Emergency Economic Stabilization Act of 2008 4275:Limitations on Interbank Liabilities (Reg F) 3255: 3185: 3048: 3046: 2307:Diamond, Dan; Gregg, Aaron (June 12, 2024). 2306: 2757: 2179:"House votes to kill Dodd-Frank. Now what?" 2153:"Cooling Tensions, Senate Confirms Cordray" 1870: 1504:Title 12 of the Code of Federal Regulations 1494:Regulatory responses to the subprime crisis 809:, writing for the majority, found that the 748:District Court for the District of Columbia 639: 308:Department of Housing and Urban Development 5193: 5179: 4988: 4942:Fraud Enforcement and Recovery Act of 2009 4866:Term Asset-Backed Securities Loan Facility 4580: 4566: 4016: 4002: 3968: 3404: 3402: 2828: 2653: 2547:"Ex-staffer: CFPB run like a 'plantation'" 1678: 1676: 1556: 1058:, and temporarily for one year during the 382:. Some notable examples include the ECOA ( 371:, it falls under the guidance, rules, and 246:The CFPB's creation was authorized by the 193: 36: 27: 5122:Effects of the Great Recession on museums 4952:Housing and Economic Recovery Act of 2008 4836:China–Japan–South Korea trilateral summit 4213:Fair and Accurate Credit Transactions Act 4079:Office of the Comptroller of the Currency 3139:Weiss, Debra Cassens (January 31, 2018). 3043: 3001: 2513:"CFPB Lacks Oversight and Accountability" 1499:Subprime mortgage crisis solutions debate 1064:Office of the Comptroller of the Currency 4816:Government policy and spending responses 4782:Government National Mortgage Association 4278:International Banking Operations (Reg K) 4184:Competitive Equality Banking Act of 1987 3473:Woellert, Lorraine (November 26, 2017). 3472: 3169:"Judge Rules Against Bureau's Structure" 2950:Karmasek, Jessica M. (August 10, 2013). 2912:, no. 13-5247 (D.C. Cir, July 24, 2015). 2808: 2566:"Worker alleges CFPB 'trail of victims'" 2036:"Richard Shelby: Richard Cordray is DOA" 1820:Independent Community Bankers of America 1683:Warren, Elizabeth (September 14, 2010). 1074:as a basis for the majority's decision. 881:appointed the incumbent director of the 674:for the totality of federal buildings." 602: 598: 464: 258:and is an independent bureau within the 5311:2011 establishments in Washington, D.C. 5301:Government agencies established in 2011 4876:2008 United Kingdom bank rescue package 3910: 3848: 3820: 3690:Adler, Jonathan H. (October 18, 2019). 3399: 3281: 3166: 3079: 2544: 2488: 2403:Maya Jackson Randall (March 22, 2012). 2376: 1709: 1673: 1586: 1584: 1582: 1562: 1048:United States Office of Special Counsel 566:American Financial Services Association 5278: 4306:Borrowers of Securities Credit (Reg X) 3498: 3052: 2758:Kasperowicz, Pete (February 7, 2014). 2729: 2654:Manchester, Julia (November 3, 2017). 2619: 2432:". CNNMoney. Retrieved August 8, 2013. 2430:Compare College Costs with Online Tool 2131: 1944:Puzzanghera, Jim (September 7, 2011). 1623:"Consumer Financial Protection Bureau" 1593:"Warning Shot On Financial Protection" 1544:. Consumer Financial Protection Bureau 998:(2018) held that the structure of the 5174: 4861:Temporary Liquidity Guarantee Program 4831:Banking (Special Provisions) Act 2008 4814: 4752:Federal Deposit Insurance Corporation 4561: 4295:Credit by Brokers and Dealers (Reg T) 4069:Financial Stability Oversight Council 4049:Federal Deposit Insurance Corporation 3997: 3911:Wattles, Jackie (November 24, 2017). 3787: 3689: 3532: 3438: 3348:"Note to staff from Director Cordray" 3160: 3138: 2881: 2585: 2581: 2579: 2484: 2482: 2428:Liberto, Jennifer (April 11, 2012). " 2340: 2280: 2229: 2201: 2176: 2144: 2062:Appelbaum, Binyamin (July 17, 2011). 1965:Appelbaum, Binyamin (July 17, 2011). 1896:Obama names Warren as special adviser 1871:Kirsch, Larry; Mayer, Robert (2013). 1081:wrote the dissent joined by Justices 781:Real Estate Settlement Procedures Act 709: 408:Real Estate Settlement Procedures Act 300:Federal Deposit Insurance Corporation 5286:Consumer Financial Protection Bureau 5203:Consumer Financial Protection Bureau 4747:Consumer Financial Protection Bureau 4218:Emergency Economic Stabilization Act 4074:National Credit Union Administration 4039:Consumer Financial Protection Bureau 4025:Bank regulation in the United States 3976:Consumer Financial Protection Bureau 3929: 3080:Frankel, Alison (October 11, 2016). 2882:Adler, Jonathan H. (July 24, 2015). 2834: 2010:"Dodd–Frank Under Fire a Year Later" 1834:"Code of Federal Regulations - eCFR" 1591:Eaglesham, Jean (February 9, 2011). 1579: 1138: 891:Federal Vacancies Reform Act of 1998 314:, with interim affiliation with the 304:National Credit Union Administration 274:advocates that Congress should cut. 205:Consumer Financial Protection Bureau 22:Consumer Financial Protection Bureau 5037:Collateralized mortgage obligations 4587: 3499:Cowley, Stacy (November 26, 2017). 3282:Rowland, Geoffrey (June 29, 2020). 3002:Kaplinsky, Alan (August 23, 2013). 2845:. Competitive Enterprise Institute. 2809:Lunsford, Patrick (March 5, 2015). 2680:Warmbrodt, Zachary (May 21, 2018). 2620:Finkle, Victoria (March 16, 2016). 2563: 2475:from the original on March 9, 2016. 2281:Gregg, Aaron (September 30, 2021). 1296:(5 years, 324 days total) 1097:2022 dispute over funding structure 722: 647: 13: 4064:Federal Reserve Board of Governors 3821:Redmond, Nate (October 20, 2022). 3802:from the original on June 29, 2020 3769:from the original on June 29, 2020 3736:from the original on June 16, 2020 3704:from the original on June 21, 2020 3533:Merle, Renae (November 27, 2017). 3439:Merle, Renae (November 26, 2017). 3053:Cowley, Stacy (October 12, 2016). 2922:Pollock, Richard (July 23, 2013). 2576: 2479: 2034:Epstein, Reid J. (July 21, 2011). 615: 426:In July 2010, Congress passed the 400:Fair Debt Collection Practices Act 14: 5327: 5132:2007–2008 world food price crisis 4932:Chinese economic stimulus program 4917:2008 European Union stimulus plan 4841:Commercial Paper Funding Facility 4136:Interest Rate Control Act of 1966 3955: 3930:Lane, Sylvan (January 20, 2021). 3849:Johnson, Jake (October 2, 2023). 3788:Adler, Jonathan (June 29, 2020). 2835:Hall, Christine (June 21, 2012). 928:2019 dispute over CFPB leadership 858:2017 dispute over acting director 801:review. On January 31, 2018, the 771:, joined by Senior Circuit Judge 620:The CFPB has created a number of 338:United States Treasury Department 235:, mortgage-servicing operations, 5234: 5160:List of countries by public debt 4787:National Asset Management Agency 4541: 4531: 4522: 4521: 4271:Electronic Fund Transfer (Reg E) 4261:Home Mortgage Disclosure (Reg C) 4256:Equal Credit Opportunity (Reg B) 2842:Competitive Enterprise Institute 2586:Moyer, Liz (November 25, 2015). 2151:Peralta, Eyder (July 16, 2013). 2132:Prokop, Andrew (June 26, 2014). 1990:Bennett D, Dougherty C. (2011). 1788:Kevin Freking (April 23, 2017). 1710:Van Loo, Rory (August 1, 2018). 1569:Georgetown Law Technology Review 1478: 1464: 1450: 1414: 1376: 1345: 1312: 1265: 1232: 1194: 736:Competitive Enterprise Institute 656: 577:On February 13, 2021, President 5115:2008 Central Asia energy crisis 5032:Collateralized debt obligations 4320:Community Reinvestment (Reg BB) 3923: 3904: 3886: 3868: 3842: 3814: 3748: 3716: 3683: 3661: 3639: 3617: 3590: 3583:Patrick Rucker, Richard Cowan, 3577: 3560: 3526: 3492: 3466: 3432: 3415: 3412:, Reuters (November 27, 2017). 3377: 3360: 3340: 3275: 3249: 3227: 3205: 3179: 3167:Hayashi, Yuka (June 22, 2018). 3132: 3106: 3073: 3021: 2995: 2979:. Morgan Drexen. Archived from 2969: 2943: 2915: 2901: 2875: 2849: 2802: 2777: 2701: 2673: 2647: 2613: 2557: 2538: 2501: 2461: 2435: 2422: 2396: 2370: 2353: 2341:Anand, Nupur (August 2, 2024). 2334: 2300: 2274: 2249: 2223: 2125: 2097: 2083: 2027: 2008:Wyatt, Edward (July 18, 2011). 2001: 1984: 1958: 1937: 1905: 1889: 1864: 1840: 1826: 1808: 883:Office of Management and Budget 822:New York Federal District Court 629:offers a student has received. 462:institutions other than banks. 323:non-bank financial institutions 223:. CFPB's jurisdiction includes 16:United States government agency 4922:2008–2009 Keynesian resurgence 4767:Federal Housing Finance Agency 4762:Federal Housing Administration 4059:Federal Housing Finance Agency 3587:, Reuters (November 27, 2017). 3256:Liptak, Adam (March 3, 2020). 3237:. SCOTUSblog. October 18, 2019 3186:Lane, Sylvan (June 21, 2018). 2708:Sherman, Erik (May 24, 2018). 2545:Devaney, Tim (June 18, 2014). 2489:Raymond, Nate (July 9, 2024). 2377:Sherman, Mark (May 16, 2024). 1752: 1726: 1703: 1640: 1615: 1563:Van Loo, Rory (July 1, 2018). 1531: 1056:Federal Housing Finance Agency 1052:Social Security Administration 1000:Federal Housing Finance Agency 765:president of the United States 661:A 2013 press release from the 452:Americans for Financial Reform 1: 4937:Economic Stimulus Act of 2008 4871:Troubled Asset Relief Program 4797:Office of Financial Stability 4772:Federal Housing Finance Board 4706:SociĂ©tĂ© GĂ©nĂ©rale trading loss 2230:Merle, Renae (June 6, 2018). 2177:Borak, Donna (June 8, 2017). 1524: 1486:Business and economics portal 984:on the question presented in 312:United States Federal Reserve 282:According to former Director 4856:Irish emergency budget, 2009 4494:Banking in the United States 4165:Electronic Fund Transfer Act 4155:Home Mortgage Disclosure Act 2564:Lee, M. J. (April 2, 2014). 1437:2 years, 352 days 1127:2023 sanctioned over conduct 697: 591:In July 2024, the CFPB gave 473:announces the nomination of 432:111th United States Congress 396:Electronic Fund Transfer Act 388:Home Mortgage Disclosure Act 384:Equal Credit Opportunity Act 7: 4351:Federal savings association 4180:Depository Institutions Act 3989:Code of Federal Regulations 2202:Bryan, Bob (June 9, 2017). 1846:Mogilnicki EJ, Malpass MS. 1443: 1368:2 years, 40 days 1288:5 years, 16 days 1287: 714:On September 26, 2013, the 380:Code of Federal Regulations 264:United States Supreme Court 252:financial crisis of 2007–08 10: 5332: 5155:2007–2008 financial crisis 5047:Mortgage-backed securities 4658:Automotive industry crisis 4160:Community Reinvestment Act 4044:Farm Credit Administration 1875:. Santa Barbara: Praeger. 1335:1 year, 15 days 1100: 1005:The Supreme Court granted 953:Seila Law's appeal to the 940:civil investigative demand 931: 861: 726: 459:Assistant to the President 421: 5243: 5232: 5209: 5145: 5102: 5060: 5052:Secondary mortgage market 5017: 4973:rescues, and acquisitions 4971:Government interventions, 4970: 4962:Zero interest-rate policy 4909: 4821: 4810: 4739: 4686: 4673:Housing market correction 4650: 4595: 4517: 4486: 4455: 4369: 4338: 4330:Truth in Savings (Reg DD) 4284:Loans to Insiders (Reg O) 4241: 4150:Fair Credit Reporting Act 4087: 4031: 1853:October 17, 2013, at the 1687:. Reuters. Archived from 1401: 1399: 1301: 1299: 1284: 1281: 1276: 1271: 1264: 1259: 1221: 1219: 1183: 911:) filed a lawsuit in the 404:Fair Credit Reporting Act 266:ruled that the president 180: 164: 154: 137: 126: 118: 76: 68: 49: 44: 35: 26: 5316:Consumer rights agencies 5070:(United States; c. 2009) 4802:UK Financial Investments 4687:Banking losses and fraud 4678:Subprime mortgage crisis 4663:California budget crisis 4310:Truth in Lending (Reg Z) 4281:Consumer Leasing (Reg M) 4132:Bank Holding Company Act 4127:Federal Credit Union Act 4097:Independent Treasury Act 2739:. United States Congress 1760:"Learn About the Bureau" 793:constitutional avoidance 640:Consumer data protection 514:Federal Trade Commission 406:- Regulation V), RESPA ( 398:- Regulation E), FDCPA ( 316:U.S. Treasury Department 296:Federal Trade Commission 5088:(worldwide; 2011–2012) 5027:Auction rate securities 4757:Federal Home Loan Banks 4478:Thrift Financial Report 3680: January 31, 2018). 3173:The Wall Street Journal 2977:"Morgan Drexen Filings" 2409:The Wall Street Journal 1611:(subscription required) 1598:The Wall Street Journal 946:, where District Judge 898:Office of Legal Counsel 410:- Regulation X), TILA ( 402:- Regulation F), FCRA ( 386:- Regulation B), HMDA ( 277: 103:38.898091°N 77.040591°W 4777:Federal Reserve System 4651:United States-specific 4208:Gramm–Leach–Bliley Act 3636: August 25, 2017). 922:preliminary injunction 785:statute of limitations 608: 478: 394:(Regulation D), EFTA ( 55:; 13 years ago 5127:Decline of newspapers 5074:2009 May Day protests 5020:and financial markets 4910:Stimulus and recovery 4339:Types of bank charter 3697:The Volokh Conspiracy 3366:Tara Siegel Bernard, 2737:"H.R. 3193 – Summary" 2093:. September 29, 2023. 1836:. Government Website. 1691:on September 19, 2010 1388:District of Columbia 1157: Acting Director 1151: Special Advisor 980:There was arguably a 727:Further information: 606: 599:Regulatory activities 488:Ohio Attorney General 468: 414:- Regulation Z), and 358:financial institution 348:, and other consumer 133:596 million (FY 2021) 108:38.898091; -77.040591 5150:European debt crisis 5042:Credit default swaps 5018:Securities involved 4824:stability and reform 4499:Fair debt collection 4473:CAMELS rating system 4198:Truth in Savings Act 4175:Monetary Control Act 4140:Truth in Lending Act 3855:www.commondreams.org 3652:923 F.3d 680 3574:(November 27, 2017). 3374:(November 24, 2017). 1921:. September 17, 2010 1740:on February 10, 2011 1458:United States portal 1427:District of Columbia 1245:District of Columbia 896:On November 25, the 815:independent agencies 547:Financial CHOICE Act 536:NLRB v. Noel Canning 519:On January 4, 2012, 492:Ohio State Treasurer 436:late-2000s recession 416:Truth in Savings Act 412:Truth in Lending Act 231:, securities firms, 5110:2000s energy crisis 4822:Banking and finance 4740:Government entities 4107:Federal Reserve Act 4032:Federal authorities 3674:881 F.3d 75 3630:___ F__ ___ 3539:The Washington Post 3445:The Washington Post 3094:on October 15, 2016 2929:Washington Examiner 2888:The Washington Post 2287:The Washington Post 2236:The Washington Post 2111:The Washington Post 1859:The Business Lawyer 1716:Faculty Scholarship 1211:September 17, 2010 1172:State of residence 1083:Ruth Bader Ginsburg 1068:Humphrey's Executor 959:Humphrey's Executor 773:A. Raymond Randolph 434:in response to the 254:and the subsequent 217:consumer protection 99: /  23: 5092:Occupy Wall Street 5068:Tea Party protests 4726:Scott W. Rothstein 4122:Glass–Steagall Act 3658: May 6, 2019). 3603:The New York Times 3572:The New York Times 3505:The New York Times 3372:The New York Times 3262:The New York Times 3120:. October 11, 2016 3059:The New York Times 2983:on August 30, 2013 2626:The New York Times 2592:The New York Times 2367:(August 31, 2017). 2365:The New York Times 2069:The New York Times 2014:The New York Times 1971:The New York Times 1575:(2): 531–532, 537. 1514:Wall Street reform 1362:December 11, 2018 1332:December 10, 2018 1329:November 25, 2017 1285:November 24, 2017 1060:American Civil War 995:Collins v. Mnuchin 777:Karen L. Henderson 710:Proposed amendment 609: 607:HQ Entrance (2024) 525:recess appointment 479: 444:Harvard Law School 350:financial products 53:July 21, 2011 21: 5273: 5272: 5201:Directors of the 5168: 5167: 5137:Retail apocalypse 5082:(MENA; 2010–2012) 5013: 5012: 5009: 5008: 4905: 4904: 4885:Bank stress tests 4555: 4554: 4370:State authorities 4245:Board regulations 4203:Riegle-Neal IBBEA 4102:National Bank Act 3008:JD Supra Law News 2859:(Press release). 2511:(June 18, 2013). 2449:. August 12, 2014 1951:Los Angeles Times 1931:National Archives 1654:. July 31, 2024. 1441: 1440: 1431:October 12, 2021 1394:October 12, 2021 1391:January 20, 2021 1365:January 20, 2021 1297: 1139:List of directors 975:PHH Corp. v. CFPB 418:(Regulation DD). 390:- Regulation C), 239:relief services, 201: 200: 5323: 5248: 5238: 5237: 5214: 5195: 5188: 5181: 5172: 5171: 5061:Social responses 4986: 4985: 4882: 4881: 4812: 4811: 4582: 4575: 4568: 4559: 4558: 4545: 4535: 4525: 4524: 4300: 4243:Federal Reserve 4145:Bank Secrecy Act 4117:1933 Banking Act 4018: 4011: 4004: 3995: 3994: 3985:12 CFR Chapter X 3980:Federal Register 3972: 3967: 3966: 3964:Official website 3949: 3948: 3946: 3944: 3927: 3921: 3920: 3908: 3902: 3901: 3890: 3884: 3883: 3872: 3866: 3865: 3863: 3861: 3846: 3840: 3839: 3837: 3835: 3818: 3812: 3811: 3809: 3807: 3785: 3779: 3778: 3776: 3774: 3752: 3746: 3745: 3743: 3741: 3720: 3714: 3713: 3711: 3709: 3687: 3681: 3671: 3665: 3659: 3649: 3643: 3637: 3627: 3621: 3615: 3614: 3612: 3610: 3594: 3588: 3581: 3575: 3564: 3558: 3557: 3555: 3553: 3530: 3524: 3523: 3521: 3519: 3496: 3490: 3489: 3487: 3485: 3470: 3464: 3463: 3461: 3459: 3436: 3430: 3429: 3427: 3419: 3413: 3408:Alison Frankel, 3406: 3397: 3396: 3394: 3392: 3381: 3375: 3364: 3358: 3357: 3344: 3338: 3337: 3335: 3333: 3316: 3299: 3298: 3296: 3294: 3279: 3273: 3272: 3270: 3268: 3253: 3247: 3246: 3244: 3242: 3231: 3225: 3224: 3222: 3220: 3209: 3203: 3202: 3200: 3198: 3183: 3177: 3176: 3164: 3158: 3157: 3155: 3153: 3136: 3130: 3129: 3127: 3125: 3110: 3104: 3103: 3101: 3099: 3090:. Archived from 3077: 3071: 3070: 3068: 3066: 3050: 3041: 3040: 3038: 3036: 3031:. March 18, 2016 3025: 3019: 3018: 3016: 3014: 2999: 2993: 2992: 2990: 2988: 2973: 2967: 2966: 2964: 2962: 2947: 2941: 2940: 2938: 2936: 2919: 2913: 2905: 2899: 2898: 2896: 2894: 2879: 2873: 2872: 2870: 2868: 2863:. August 2, 2013 2853: 2847: 2846: 2832: 2826: 2825: 2823: 2821: 2806: 2800: 2799: 2797: 2795: 2781: 2775: 2774: 2772: 2770: 2755: 2749: 2748: 2746: 2744: 2733: 2727: 2726: 2724: 2722: 2705: 2699: 2698: 2696: 2694: 2677: 2671: 2670: 2668: 2666: 2651: 2645: 2644: 2642: 2640: 2617: 2611: 2610: 2608: 2606: 2583: 2574: 2573: 2561: 2555: 2554: 2542: 2536: 2535: 2533: 2531: 2525: 2519:. Archived from 2505: 2499: 2498: 2486: 2477: 2476: 2465: 2459: 2458: 2456: 2454: 2439: 2433: 2426: 2420: 2419: 2417: 2415: 2400: 2394: 2393: 2391: 2389: 2374: 2368: 2357: 2351: 2350: 2338: 2332: 2331: 2329: 2327: 2304: 2298: 2297: 2295: 2293: 2278: 2272: 2271: 2269: 2267: 2253: 2247: 2246: 2244: 2242: 2227: 2221: 2220: 2218: 2216: 2209:Business Insider 2199: 2193: 2192: 2187: 2185: 2174: 2168: 2167: 2165: 2163: 2148: 2142: 2141: 2129: 2123: 2122: 2120: 2118: 2101: 2095: 2094: 2087: 2081: 2080: 2078: 2076: 2059: 2053: 2052: 2050: 2048: 2031: 2025: 2024: 2022: 2020: 2005: 1999: 1988: 1982: 1981: 1979: 1977: 1962: 1956: 1955: 1941: 1935: 1934: 1928: 1926: 1909: 1903: 1893: 1887: 1886: 1868: 1862: 1844: 1838: 1837: 1830: 1824: 1823: 1812: 1806: 1805: 1803: 1801: 1794:Associated Press 1785: 1772: 1771: 1769: 1767: 1756: 1750: 1749: 1747: 1745: 1730: 1724: 1723: 1707: 1701: 1700: 1698: 1696: 1680: 1671: 1670: 1668: 1666: 1644: 1638: 1637: 1635: 1633: 1627:Federal Register 1619: 1613: 1612: 1609: 1607: 1605: 1588: 1577: 1576: 1560: 1554: 1553: 1551: 1549: 1543: 1535: 1488: 1483: 1482: 1474: 1469: 1468: 1460: 1455: 1454: 1453: 1418: 1411: 1380: 1349: 1342: 1316: 1295: 1282:January 4, 2012 1269: 1262: 1252:January 4, 2012 1236: 1202:Elizabeth Warren 1198: 1160: 1159: 1156: 1150: 1133:Eleventh Circuit 969:decision of the 948:Josephine Staton 918:Timothy J. Kelly 864:English v. Trump 813:does not forbid 811:Take Care Clause 807:Cornelia Pillard 723:Legal challenges 648:Credit card fees 634:cryptocurrencies 622:personal finance 562:Barry Loudermilk 553:, to repeal the 448:Elizabeth Warren 440:financial crisis 363: 221:financial sector 215:responsible for 197: 192: 189: 188:.consumerfinance 187: 138:Agency executive 114: 113: 111: 110: 109: 104: 100: 97: 96: 95: 92: 81:Washington, D.C. 63: 61: 56: 40: 31: 24: 20: 5331: 5330: 5326: 5325: 5324: 5322: 5321: 5320: 5291:Corporate crime 5276: 5275: 5274: 5269: 5246: 5245: 5239: 5235: 5230: 5212: 5211: 5210:Special Advisor 5205: 5199: 5169: 5164: 5141: 5098: 5086:Occupy movement 5056: 5019: 5005: 4984: 4972: 4966: 4901: 4880: 4823: 4817: 4806: 4735: 4682: 4646: 4591: 4589:Great Recession 4586: 4556: 4551: 4537:Business portal 4513: 4509:Wildcat banking 4482: 4451: 4365: 4334: 4298: 4246: 4244: 4237: 4223:Credit CARD Act 4089: 4083: 4027: 4022: 3962: 3961: 3958: 3953: 3952: 3942: 3940: 3928: 3924: 3909: 3905: 3892: 3891: 3887: 3882:. May 16, 2024. 3874: 3873: 3869: 3859: 3857: 3847: 3843: 3833: 3831: 3819: 3815: 3805: 3803: 3786: 3782: 3772: 3770: 3753: 3749: 3739: 3737: 3722: 3721: 3717: 3707: 3705: 3688: 3684: 3667: 3666: 3662: 3645: 3644: 3640: 3623: 3622: 3618: 3608: 3606: 3595: 3591: 3582: 3578: 3565: 3561: 3551: 3549: 3531: 3527: 3517: 3515: 3497: 3493: 3483: 3481: 3471: 3467: 3457: 3455: 3437: 3433: 3425: 3421: 3420: 3416: 3407: 3400: 3390: 3388: 3383: 3382: 3378: 3365: 3361: 3346: 3345: 3341: 3331: 3329: 3317: 3302: 3292: 3290: 3280: 3276: 3266: 3264: 3254: 3250: 3240: 3238: 3233: 3232: 3228: 3218: 3216: 3211: 3210: 3206: 3196: 3194: 3184: 3180: 3165: 3161: 3151: 3149: 3137: 3133: 3123: 3121: 3112: 3111: 3107: 3097: 3095: 3078: 3074: 3064: 3062: 3051: 3044: 3034: 3032: 3027: 3026: 3022: 3012: 3010: 3000: 2996: 2986: 2984: 2975: 2974: 2970: 2960: 2958: 2948: 2944: 2934: 2932: 2920: 2916: 2906: 2902: 2892: 2890: 2880: 2876: 2866: 2864: 2855: 2854: 2850: 2833: 2829: 2819: 2817: 2807: 2803: 2793: 2791: 2783: 2782: 2778: 2768: 2766: 2756: 2752: 2742: 2740: 2735: 2734: 2730: 2720: 2718: 2706: 2702: 2692: 2690: 2678: 2674: 2664: 2662: 2652: 2648: 2638: 2636: 2618: 2614: 2604: 2602: 2584: 2577: 2562: 2558: 2543: 2539: 2529: 2527: 2526:on May 16, 2017 2524:(Press release) 2523: 2506: 2502: 2487: 2480: 2467: 2466: 2462: 2452: 2450: 2441: 2440: 2436: 2427: 2423: 2413: 2411: 2401: 2397: 2387: 2385: 2375: 2371: 2358: 2354: 2339: 2335: 2325: 2323: 2313:Washington Post 2305: 2301: 2291: 2289: 2279: 2275: 2265: 2263: 2255: 2254: 2250: 2240: 2238: 2228: 2224: 2214: 2212: 2200: 2196: 2183: 2181: 2175: 2171: 2161: 2159: 2149: 2145: 2130: 2126: 2116: 2114: 2102: 2098: 2089: 2088: 2084: 2074: 2072: 2060: 2056: 2046: 2044: 2032: 2028: 2018: 2016: 2006: 2002: 1989: 1985: 1975: 1973: 1963: 1959: 1942: 1938: 1924: 1922: 1911: 1910: 1906: 1894: 1890: 1883: 1869: 1865: 1855:Wayback Machine 1845: 1841: 1832: 1831: 1827: 1814: 1813: 1809: 1799: 1797: 1786: 1775: 1765: 1763: 1758: 1757: 1753: 1743: 1741: 1732: 1731: 1727: 1708: 1704: 1694: 1692: 1681: 1674: 1664: 1662: 1646: 1645: 1641: 1631: 1629: 1621: 1620: 1616: 1610: 1603: 1601: 1589: 1580: 1561: 1557: 1547: 1545: 1541: 1537: 1536: 1532: 1527: 1484: 1477: 1472:Politics portal 1470: 1463: 1456: 1451: 1449: 1446: 1409: 1353:Kathy Kraninger 1340: 1294: 1273:Richard Cordray 1260: 1249:August 1, 2011 1214:August 1, 2011 1158: 1154: 1152: 1148: 1141: 1129: 1121:Clarence Thomas 1105: 1099: 1091:Sonia Sotomayor 1044:Brett Kavanaugh 1032:Clarence Thomas 936: 930: 870:Leandra English 866: 860: 789:PHH Corporation 769:Brett Kavanaugh 731: 725: 712: 700: 668:Patrick McHenry 659: 650: 642: 618: 616:Public outreach 601: 510:Consumers Union 495:Richard Cordray 475:Richard Cordray 424: 361: 292:Federal Reserve 284:Richard Cordray 280: 260:Federal Reserve 256:Great Recession 241:debt collectors 184: 176: 159:Federal Reserve 150: 107: 105: 101: 98: 93: 90: 88: 86: 85: 84: 59: 57: 54: 45:Agency overview 17: 12: 11: 5: 5329: 5319: 5318: 5313: 5308: 5303: 5298: 5293: 5288: 5271: 5270: 5268: 5267: 5262: 5257: 5251: 5249: 5241: 5240: 5233: 5231: 5229: 5228: 5223: 5217: 5215: 5207: 5206: 5198: 5197: 5190: 5183: 5175: 5166: 5165: 5163: 5162: 5157: 5152: 5146: 5143: 5142: 5140: 5139: 5134: 5129: 5124: 5119: 5118: 5117: 5106: 5104: 5103:Related topics 5100: 5099: 5097: 5096: 5095: 5094: 5083: 5077: 5071: 5064: 5062: 5058: 5057: 5055: 5054: 5049: 5044: 5039: 5034: 5029: 5023: 5021: 5015: 5014: 5011: 5010: 5007: 5006: 5004: 5003: 5001:General Motors 4998: 4992: 4990: 4983: 4982: 4976: 4974: 4968: 4967: 4965: 4964: 4959: 4954: 4949: 4947:Green New Deal 4944: 4939: 4934: 4929: 4924: 4919: 4913: 4911: 4907: 4906: 4903: 4902: 4900: 4899: 4894: 4888: 4886: 4879: 4878: 4873: 4868: 4863: 4858: 4853: 4848: 4843: 4838: 4833: 4827: 4825: 4819: 4818: 4808: 4807: 4805: 4804: 4799: 4794: 4789: 4784: 4779: 4774: 4769: 4764: 4759: 4754: 4749: 4743: 4741: 4737: 4736: 4734: 4733: 4731:Allen Stanford 4728: 4723: 4718: 4713: 4708: 4703: 4702: 4701: 4690: 4688: 4684: 4683: 4681: 4680: 4675: 4670: 4668:Housing bubble 4665: 4660: 4654: 4652: 4648: 4647: 4645: 4644: 4639: 4638: 4637: 4627: 4622: 4621: 4620: 4615: 4605: 4599: 4597: 4593: 4592: 4585: 4584: 4577: 4570: 4562: 4553: 4552: 4550: 4549: 4539: 4529: 4518: 4515: 4514: 4512: 4511: 4506: 4501: 4496: 4490: 4488: 4484: 4483: 4481: 4480: 4475: 4470: 4465: 4459: 4457: 4453: 4452: 4450: 4449: 4444: 4439: 4434: 4429: 4424: 4419: 4414: 4409: 4404: 4399: 4394: 4389: 4384: 4379: 4373: 4371: 4367: 4366: 4364: 4363: 4358: 4353: 4348: 4342: 4340: 4336: 4335: 4333: 4332: 4327: 4322: 4317: 4312: 4307: 4304: 4301: 4296: 4293: 4288: 4285: 4282: 4279: 4276: 4273: 4268: 4263: 4258: 4253: 4249: 4247: 4242: 4239: 4238: 4236: 4235: 4230: 4225: 4220: 4215: 4210: 4205: 4200: 4195: 4190: 4185: 4182: 4177: 4172: 4167: 4162: 4157: 4152: 4147: 4142: 4137: 4134: 4129: 4124: 4119: 4114: 4109: 4104: 4099: 4093: 4091: 4088:Major federal 4085: 4084: 4082: 4081: 4076: 4071: 4066: 4061: 4056: 4051: 4046: 4041: 4035: 4033: 4029: 4028: 4021: 4020: 4013: 4006: 3998: 3992: 3991: 3982: 3973: 3957: 3956:External links 3954: 3951: 3950: 3922: 3903: 3885: 3867: 3841: 3813: 3780: 3747: 3715: 3682: 3660: 3638: 3616: 3589: 3576: 3566:Katie Rogers, 3559: 3525: 3491: 3465: 3431: 3414: 3398: 3376: 3359: 3339: 3300: 3274: 3248: 3226: 3204: 3178: 3159: 3131: 3105: 3072: 3042: 3020: 2994: 2968: 2956:Legal Newsline 2942: 2914: 2900: 2874: 2848: 2827: 2801: 2776: 2750: 2728: 2700: 2672: 2646: 2612: 2575: 2556: 2537: 2509:Jeb Hensarling 2500: 2478: 2460: 2434: 2421: 2395: 2369: 2352: 2333: 2299: 2273: 2248: 2222: 2194: 2169: 2143: 2124: 2096: 2082: 2054: 2026: 2000: 1983: 1957: 1936: 1918:whitehouse.gov 1904: 1888: 1882:978-1440829512 1881: 1863: 1839: 1825: 1807: 1773: 1751: 1725: 1702: 1672: 1639: 1614: 1578: 1555: 1529: 1528: 1526: 1523: 1522: 1521: 1516: 1511: 1506: 1501: 1496: 1490: 1489: 1475: 1461: 1445: 1442: 1439: 1438: 1435: 1432: 1429: 1424: 1419: 1412: 1406: 1405: 1400: 1398: 1397:265 days 1395: 1392: 1389: 1386: 1381: 1374: 1370: 1369: 1366: 1363: 1360: 1355: 1350: 1343: 1337: 1336: 1333: 1330: 1327: 1325:South Carolina 1322: 1317: 1310: 1306: 1305: 1300: 1298: 1290: 1289: 1286: 1283: 1280: 1275: 1270: 1263: 1257: 1256: 1255:156 days 1253: 1250: 1247: 1242: 1237: 1230: 1226: 1225: 1220: 1218: 1217:318 days 1215: 1212: 1209: 1204: 1199: 1192: 1188: 1187: 1182: 1179: 1176: 1173: 1170: 1167: 1164: 1153: 1147: 1146: 1145: 1140: 1137: 1128: 1125: 1101:Main article: 1098: 1095: 1087:Stephen Breyer 1026:Chief Justice 929: 926: 859: 856: 826:Loretta Preska 820:In June 2018, 783:, finding the 724: 721: 711: 708: 699: 696: 684:Ally Financial 658: 655: 649: 646: 641: 638: 617: 614: 600: 597: 551:Jeb Hensarling 423: 420: 279: 276: 233:payday lenders 199: 198: 182: 178: 177: 175: 174: 168: 166: 162: 161: 156: 152: 151: 149: 148: 141: 139: 135: 134: 128: 124: 123: 120: 116: 115: 78: 74: 73: 70: 66: 65: 51: 47: 46: 42: 41: 33: 32: 15: 9: 6: 4: 3: 2: 5328: 5317: 5314: 5312: 5309: 5307: 5304: 5302: 5299: 5297: 5294: 5292: 5289: 5287: 5284: 5283: 5281: 5266: 5263: 5261: 5258: 5256: 5253: 5252: 5250: 5242: 5227: 5224: 5222: 5219: 5218: 5216: 5208: 5204: 5196: 5191: 5189: 5184: 5182: 5177: 5176: 5173: 5161: 5158: 5156: 5153: 5151: 5148: 5147: 5144: 5138: 5135: 5133: 5130: 5128: 5125: 5123: 5120: 5116: 5113: 5112: 5111: 5108: 5107: 5105: 5101: 5093: 5090: 5089: 5087: 5084: 5081: 5078: 5075: 5072: 5069: 5066: 5065: 5063: 5059: 5053: 5050: 5048: 5045: 5043: 5040: 5038: 5035: 5033: 5030: 5028: 5025: 5024: 5022: 5016: 5002: 4999: 4997: 4994: 4993: 4991: 4987: 4981: 4978: 4977: 4975: 4969: 4963: 4960: 4958: 4955: 4953: 4950: 4948: 4945: 4943: 4940: 4938: 4935: 4933: 4930: 4928: 4925: 4923: 4920: 4918: 4915: 4914: 4912: 4908: 4898: 4895: 4893: 4890: 4889: 4887: 4883: 4877: 4874: 4872: 4869: 4867: 4864: 4862: 4859: 4857: 4854: 4852: 4849: 4847: 4844: 4842: 4839: 4837: 4834: 4832: 4829: 4828: 4826: 4820: 4813: 4809: 4803: 4800: 4798: 4795: 4793: 4790: 4788: 4785: 4783: 4780: 4778: 4775: 4773: 4770: 4768: 4765: 4763: 4760: 4758: 4755: 4753: 4750: 4748: 4745: 4744: 4742: 4738: 4732: 4729: 4727: 4724: 4722: 4719: 4717: 4716:Bernie Madoff 4714: 4712: 4711:Forex scandal 4709: 4707: 4704: 4700: 4697: 4696: 4695: 4694:Libor scandal 4692: 4691: 4689: 4685: 4679: 4676: 4674: 4671: 4669: 4666: 4664: 4661: 4659: 4656: 4655: 4653: 4649: 4643: 4640: 4636: 4633: 4632: 4631: 4628: 4626: 4623: 4619: 4618:South America 4616: 4614: 4613:United States 4611: 4610: 4609: 4606: 4604: 4601: 4600: 4598: 4594: 4590: 4583: 4578: 4576: 4571: 4569: 4564: 4563: 4560: 4548: 4544: 4540: 4538: 4534: 4530: 4528: 4520: 4519: 4516: 4510: 4507: 4505: 4502: 4500: 4497: 4495: 4492: 4491: 4489: 4485: 4479: 4476: 4474: 4471: 4469: 4466: 4464: 4461: 4460: 4458: 4454: 4448: 4445: 4443: 4440: 4438: 4435: 4433: 4430: 4428: 4425: 4423: 4420: 4418: 4415: 4413: 4410: 4408: 4407:New Hampshire 4405: 4403: 4400: 4398: 4395: 4393: 4390: 4388: 4385: 4383: 4380: 4378: 4375: 4374: 4372: 4368: 4362: 4359: 4357: 4356:National bank 4354: 4352: 4349: 4347: 4344: 4343: 4341: 4337: 4331: 4328: 4326: 4323: 4321: 4318: 4316: 4313: 4311: 4308: 4305: 4302: 4297: 4294: 4292: 4289: 4286: 4283: 4280: 4277: 4274: 4272: 4269: 4267: 4264: 4262: 4259: 4257: 4254: 4251: 4250: 4248: 4240: 4234: 4231: 4229: 4226: 4224: 4221: 4219: 4216: 4214: 4211: 4209: 4206: 4204: 4201: 4199: 4196: 4194: 4191: 4189: 4186: 4183: 4181: 4178: 4176: 4173: 4171: 4168: 4166: 4163: 4161: 4158: 4156: 4153: 4151: 4148: 4146: 4143: 4141: 4138: 4135: 4133: 4130: 4128: 4125: 4123: 4120: 4118: 4115: 4113: 4110: 4108: 4105: 4103: 4100: 4098: 4095: 4094: 4092: 4086: 4080: 4077: 4075: 4072: 4070: 4067: 4065: 4062: 4060: 4057: 4055: 4052: 4050: 4047: 4045: 4042: 4040: 4037: 4036: 4034: 4030: 4026: 4019: 4014: 4012: 4007: 4005: 4000: 3999: 3996: 3990: 3986: 3983: 3981: 3977: 3974: 3971: 3965: 3960: 3959: 3939: 3938: 3933: 3926: 3918: 3914: 3907: 3899: 3895: 3889: 3881: 3877: 3871: 3856: 3852: 3845: 3830: 3829: 3824: 3817: 3801: 3797: 3796: 3791: 3784: 3768: 3764: 3763: 3758: 3751: 3735: 3731: 3730: 3725: 3719: 3703: 3699: 3698: 3693: 3686: 3679: 3675: 3670: 3664: 3657: 3653: 3648: 3642: 3635: 3631: 3626: 3620: 3605:. p. A16 3604: 3600: 3593: 3586: 3580: 3573: 3569: 3563: 3548: 3544: 3540: 3536: 3529: 3514: 3510: 3506: 3502: 3495: 3480: 3476: 3469: 3454: 3450: 3446: 3442: 3435: 3424: 3418: 3411: 3405: 3403: 3386: 3380: 3373: 3369: 3363: 3355: 3354: 3349: 3343: 3328: 3327: 3322: 3315: 3313: 3311: 3309: 3307: 3305: 3289: 3285: 3278: 3263: 3259: 3252: 3236: 3230: 3214: 3208: 3193: 3189: 3182: 3174: 3170: 3163: 3148: 3147: 3142: 3135: 3119: 3115: 3109: 3093: 3089: 3088: 3083: 3076: 3060: 3056: 3049: 3047: 3030: 3024: 3009: 3005: 2998: 2982: 2978: 2972: 2957: 2953: 2946: 2931: 2930: 2925: 2918: 2911: 2910: 2904: 2889: 2885: 2878: 2862: 2861:GlobeNewswire 2858: 2852: 2844: 2843: 2838: 2831: 2816: 2815:insidearm.com 2812: 2805: 2790: 2786: 2780: 2765: 2761: 2754: 2738: 2732: 2717: 2716: 2711: 2704: 2689: 2688: 2683: 2676: 2661: 2657: 2650: 2635: 2631: 2627: 2623: 2616: 2601: 2597: 2593: 2589: 2582: 2580: 2571: 2567: 2560: 2552: 2548: 2541: 2522: 2518: 2514: 2510: 2504: 2496: 2492: 2485: 2483: 2474: 2470: 2464: 2448: 2444: 2438: 2431: 2425: 2410: 2406: 2399: 2384: 2380: 2373: 2366: 2362: 2356: 2348: 2344: 2337: 2322: 2318: 2314: 2310: 2303: 2292:September 30, 2288: 2284: 2277: 2262: 2261:U.S. Congress 2258: 2252: 2237: 2233: 2226: 2211: 2210: 2205: 2198: 2191: 2180: 2173: 2158: 2154: 2147: 2139: 2135: 2128: 2113: 2112: 2107: 2100: 2092: 2086: 2071: 2070: 2065: 2058: 2043: 2042: 2037: 2030: 2015: 2011: 2004: 1997: 1993: 1987: 1972: 1968: 1961: 1953: 1952: 1947: 1940: 1932: 1920: 1919: 1914: 1908: 1901: 1897: 1892: 1884: 1878: 1874: 1867: 1860: 1856: 1852: 1849: 1843: 1835: 1829: 1821: 1817: 1811: 1795: 1791: 1784: 1782: 1780: 1778: 1761: 1755: 1739: 1735: 1729: 1721: 1717: 1713: 1706: 1690: 1686: 1679: 1677: 1661: 1657: 1653: 1652:The Economist 1649: 1643: 1628: 1624: 1618: 1600: 1599: 1594: 1587: 1585: 1583: 1574: 1570: 1566: 1559: 1540: 1534: 1530: 1520: 1517: 1515: 1512: 1510: 1507: 1505: 1502: 1500: 1497: 1495: 1492: 1491: 1487: 1481: 1476: 1473: 1467: 1462: 1459: 1448: 1436: 1433: 1430: 1428: 1425: 1423: 1420: 1417: 1413: 1408: 1407: 1404: 1396: 1393: 1390: 1387: 1385: 1382: 1379: 1375: 1372: 1371: 1367: 1364: 1361: 1359: 1356: 1354: 1351: 1348: 1344: 1339: 1338: 1334: 1331: 1328: 1326: 1323: 1321: 1320:Mick Mulvaney 1318: 1315: 1311: 1308: 1307: 1304: 1293:308 days 1292: 1291: 1279: 1274: 1268: 1258: 1254: 1251: 1248: 1246: 1243: 1241: 1238: 1235: 1231: 1228: 1227: 1224: 1216: 1213: 1210: 1208: 1207:Massachusetts 1205: 1203: 1200: 1197: 1193: 1190: 1189: 1186: 1180: 1177: 1174: 1171: 1168: 1165: 1162: 1161: 1143: 1142: 1136: 1134: 1124: 1122: 1117: 1115: 1114:Fifth Circuit 1110: 1107:In 2018, the 1104: 1094: 1092: 1088: 1084: 1080: 1075: 1073: 1069: 1065: 1061: 1057: 1053: 1049: 1045: 1041: 1037: 1033: 1029: 1024: 1022: 1016: 1014: 1010: 1009: 1003: 1001: 997: 996: 991: 990:Fifth Circuit 987: 983: 982:circuit split 978: 976: 972: 968: 964: 960: 956: 955:Ninth Circuit 951: 949: 945: 941: 935: 925: 923: 919: 914: 910: 905: 903: 899: 894: 892: 888: 887:Mick Mulvaney 884: 880: 876: 871: 865: 855: 853: 848: 844: 838: 836: 835: 829: 827: 823: 818: 816: 812: 808: 804: 800: 799: 794: 790: 786: 782: 778: 774: 770: 766: 761: 758: 753: 749: 743: 741: 737: 730: 720: 717: 707: 705: 695: 693: 688: 685: 679: 675: 673: 669: 664: 657:Controversies 654: 645: 637: 635: 630: 628: 627:financial aid 623: 613: 605: 596: 594: 589: 586: 584: 580: 575: 573: 572:Mick Mulvaney 569: 567: 563: 558: 556: 552: 548: 543: 540: 538: 537: 532: 531: 526: 522: 517: 515: 511: 506: 503: 498: 496: 493: 489: 485: 476: 472: 467: 463: 460: 455: 453: 449: 445: 441: 437: 433: 430:, during the 429: 419: 417: 413: 409: 405: 401: 397: 393: 389: 385: 381: 376: 374: 370: 366: 360:acquires $ 10 359: 354: 351: 347: 343: 339: 335: 331: 326: 324: 319: 317: 313: 309: 306:and even the 305: 301: 297: 293: 289: 288:student loans 285: 275: 273: 269: 265: 261: 257: 253: 249: 244: 242: 238: 234: 230: 229:credit unions 226: 222: 218: 214: 210: 206: 196: 191: 183: 179: 173: 170: 169: 167: 163: 160: 157: 155:Parent agency 153: 146: 143: 142: 140: 136: 132: 129: 127:Annual budget 125: 121: 117: 112: 82: 79: 75: 72:United States 71: 67: 52: 48: 43: 39: 34: 30: 25: 19: 5247:2012–present 5202: 4746: 4547:Banks portal 4487:Other topics 4437:Pennsylvania 4346:Credit union 4112:McFadden Act 4038: 3941:. Retrieved 3935: 3925: 3906: 3897: 3888: 3879: 3870: 3860:November 15, 3858:. Retrieved 3854: 3844: 3832:. Retrieved 3826: 3816: 3804:. Retrieved 3793: 3783: 3771:. Retrieved 3760: 3750: 3738:. Retrieved 3727: 3718: 3706:. Retrieved 3695: 3685: 3668: 3663: 3646: 3641: 3624: 3619: 3607:. Retrieved 3602: 3592: 3579: 3571: 3562: 3552:November 27, 3550:. Retrieved 3538: 3528: 3518:November 27, 3516:. Retrieved 3504: 3494: 3484:November 27, 3482:. Retrieved 3478: 3468: 3458:November 27, 3456:. Retrieved 3444: 3434: 3417: 3391:November 25, 3389:. Retrieved 3379: 3371: 3362: 3351: 3342: 3330:. Retrieved 3324: 3291:. Retrieved 3287: 3277: 3265:. Retrieved 3261: 3251: 3241:November 30, 3239:. Retrieved 3229: 3217:. Retrieved 3215:. SCOTUSblog 3207: 3195:. Retrieved 3191: 3181: 3172: 3162: 3150:. Retrieved 3144: 3134: 3124:November 27, 3122:. Retrieved 3117: 3108: 3096:. Retrieved 3092:the original 3085: 3075: 3063:. Retrieved 3061:. p. B2 3058: 3033:. Retrieved 3023: 3011:. Retrieved 3007: 2997: 2985:. Retrieved 2981:the original 2971: 2959:. Retrieved 2955: 2945: 2933:. Retrieved 2927: 2917: 2908: 2903: 2891:. Retrieved 2887: 2877: 2865:. Retrieved 2851: 2840: 2830: 2818:. Retrieved 2814: 2804: 2792:. Retrieved 2789:congress.gov 2788: 2779: 2769:February 11, 2767:. Retrieved 2763: 2753: 2743:February 11, 2741:. Retrieved 2731: 2719:. Retrieved 2713: 2703: 2691:. Retrieved 2685: 2675: 2665:November 15, 2663:. Retrieved 2659: 2649: 2637:. Retrieved 2625: 2615: 2603:. Retrieved 2591: 2569: 2559: 2550: 2540: 2528:. Retrieved 2521:the original 2503: 2494: 2463: 2451:. Retrieved 2446: 2437: 2424: 2412:. Retrieved 2408: 2398: 2386:. Retrieved 2382: 2372: 2364: 2355: 2346: 2336: 2324:. Retrieved 2312: 2302: 2290:. Retrieved 2286: 2276: 2266:February 14, 2264:. Retrieved 2260: 2251: 2239:. Retrieved 2235: 2225: 2213:. Retrieved 2207: 2197: 2189: 2182:. Retrieved 2172: 2160:. Retrieved 2146: 2137: 2127: 2115:. Retrieved 2109: 2099: 2085: 2073:. Retrieved 2067: 2057: 2045:. Retrieved 2039: 2029: 2017:. Retrieved 2013: 2003: 1995: 1986: 1974:. Retrieved 1970: 1960: 1949: 1939: 1929:– via 1925:December 17, 1923:. Retrieved 1916: 1907: 1899: 1891: 1872: 1866: 1858: 1842: 1828: 1810: 1798:. Retrieved 1796:. Washington 1793: 1766:February 10, 1764:. Retrieved 1754: 1744:February 10, 1742:. Retrieved 1738:the original 1728: 1719: 1715: 1705: 1695:February 10, 1693:. Retrieved 1689:the original 1663:. Retrieved 1651: 1642: 1632:February 28, 1630:. Retrieved 1626: 1617: 1604:February 10, 1602:. Retrieved 1596: 1572: 1568: 1558: 1548:November 30, 1546:. Retrieved 1533: 1509:Volcker Rule 1422:Rohit Chopra 1303:Donald Trump 1223:Barack Obama 1178:Left office 1175:Took office 1130: 1118: 1106: 1076: 1071: 1067: 1040:Neil Gorsuch 1036:Samuel Alito 1028:John Roberts 1025: 1017: 1012: 1006: 1004: 993: 985: 979: 974: 966: 962: 958: 952: 937: 909:Deepak Gupta 906: 902:Steven Engel 895: 879:Donald Trump 867: 843:John Roberts 839: 832: 830: 819: 802: 796: 762: 744: 732: 713: 701: 689: 680: 676: 660: 651: 643: 631: 619: 610: 590: 587: 583:Rohit Chopra 576: 570: 559: 544: 541: 534: 528: 521:Barack Obama 518: 507: 499: 480: 471:Barack Obama 456: 425: 377: 355: 346:credit cards 327: 320: 281: 272:Project 2025 245: 208: 204: 202: 165:Key document 145:Rohit Chopra 122:1,591 (2021) 77:Headquarters 69:Jurisdiction 18: 5080:Arab Spring 4989:Non-banking 4721:Tom Petters 4468:CAEL Rating 4463:Call report 4090:legislation 3943:January 21, 3834:October 20, 3146:ABA Journal 3098:October 18, 3065:October 18, 3013:November 8, 2820:October 17, 2794:October 17, 1384:David Uejio 1079:Elena Kagan 852:Elena Kagan 752:ultra vires 373:regulations 237:foreclosure 106: / 5280:Categories 4412:New Jersey 4377:California 4361:State bank 4228:Dodd–Frank 3729:SCOTUSblog 2987:August 11, 2961:August 11, 2935:August 11, 2893:August 10, 2639:August 14, 2605:August 14, 2453:August 14, 2117:January 4, 1525:References 1434:Incumbent 1185:Presidents 1054:, and the 1008:certiorari 971:DC Circuit 932:See also: 862:See also: 484:Republican 469:President 446:professor 268:can remove 147:, Director 94:77°02′26″W 91:38°53′53″N 60:2011-07-21 5260:Kraninger 5213:2010–2012 4699:Tom Hayes 4596:By region 4442:Tennessee 3917:CNN Money 3678:D.C. Cir. 3547:0190-8286 3513:0362-4331 3453:0190-8286 2634:0362-4331 2600:0362-4331 2414:August 7, 2388:August 4, 2326:August 4, 2321:0190-8286 1996:Bloomberg 1900:CNN Money 1800:April 23, 1722:(2): 369. 1665:August 4, 1660:0013-0613 1403:Joe Biden 1166:Portrait 1021:severable 1013:Seila Law 986:Seila Law 847:severable 698:Amendment 692:Hatch Act 579:Joe Biden 530:pro forma 523:issued a 342:mortgages 119:Employees 5244:Director 4996:Chrysler 4608:Americas 4527:Category 4447:Virginia 4427:Oklahoma 4417:New York 4402:Michigan 4397:Maryland 4392:Illinois 4382:Colorado 3937:The Hill 3898:JD Supra 3806:June 29, 3800:Archived 3773:June 29, 3767:Archived 3740:June 20, 3734:Archived 3708:June 20, 3702:Archived 3656:9th Cir. 3609:April 4, 3479:Politico 3353:Politico 3332:June 29, 3293:June 29, 3267:March 3, 3192:The Hill 3152:April 5, 3035:June 17, 2764:The Hill 2715:NBC News 2687:Politico 2660:The Hill 2570:POLITICO 2551:The Hill 2473:Archived 2447:PBS News 2241:June 11, 2162:July 19, 2075:July 17, 2047:July 22, 2041:Politico 2019:July 22, 1976:July 17, 1851:Archived 1444:See also 1240:Raj Date 1077:Justice 1072:Morrison 1062:for the 963:Morrison 211:) is an 5255:Cordray 4642:Oceania 4635:Iceland 4387:Florida 4233:EGRRCPA 3987:of the 3978:in the 3828:Reuters 3288:TheHill 3219:May 29, 3197:May 29, 3087:Reuters 2867:May 18, 2721:May 25, 2693:May 25, 2530:May 18, 2495:Reuters 2383:AP News 2347:Reuters 2215:June 9, 2184:June 9, 1181:Tenure 967:en banc 803:en banc 798:en banc 422:History 365:billion 356:Once a 334:Twitter 330:YouTube 219:in the 181:Website 58: ( 5265:Chopra 5221:Warren 4630:Europe 4603:Africa 4432:Oregon 4193:FDICIA 4188:FIRREA 3795:Reason 3676: ( 3672:, 3654: ( 3650:, 3632: ( 3628:, 3545:  3511:  3451:  3118:Justia 2632:  2598:  2319:  1879:  1658:  1155:  1149:  1144:Status 1089:, and 1050:, the 1042:, and 824:judge 502:Senate 369:assets 362:  302:, the 298:, the 294:, the 83:, U.S. 50:Formed 4456:Terms 3426:(PDF) 1542:(PDF) 1169:Name 593:Zelle 225:banks 5226:Date 4897:U.S. 4625:Asia 4422:Ohio 3945:2021 3880:CNBC 3862:2023 3836:2022 3808:2020 3775:2020 3762:CNBC 3742:2020 3710:2020 3611:2018 3554:2017 3543:ISSN 3520:2017 3509:ISSN 3486:2017 3460:2017 3449:ISSN 3393:2017 3334:2020 3326:CNBC 3295:2020 3269:2020 3243:2019 3221:2019 3199:2019 3154:2018 3126:2017 3100:2016 3067:2016 3037:2016 3015:2013 2989:2013 2963:2013 2937:2013 2895:2015 2869:2014 2822:2015 2796:2015 2771:2014 2745:2014 2723:2018 2695:2018 2667:2023 2641:2024 2630:ISSN 2607:2024 2596:ISSN 2532:2017 2455:2024 2416:2013 2390:2024 2328:2024 2317:ISSN 2294:2021 2268:2021 2243:2019 2217:2017 2186:2017 2164:2013 2119:2012 2077:2011 2049:2011 2021:2011 1978:2011 1927:2014 1877:ISBN 1802:2017 1768:2011 1746:2011 1697:2011 1667:2024 1656:ISSN 1634:2023 1606:2011 1550:2021 1358:Ohio 1278:Ohio 1163:No. 1131:The 1070:and 961:and 545:The 490:and 438:and 278:Role 209:CFPB 203:The 190:.gov 131:US$ 2157:NPR 2138:Vox 1720:119 1011:in 992:in 973:in 672:GSA 367:in 186:www 5282:: 4892:EU 3934:. 3915:. 3896:. 3878:. 3853:. 3825:. 3798:. 3792:. 3765:. 3759:. 3732:. 3726:. 3700:. 3694:. 3601:. 3570:, 3541:. 3537:. 3507:. 3503:. 3477:. 3447:. 3443:. 3401:^ 3370:, 3350:. 3323:. 3303:^ 3286:. 3260:. 3190:. 3171:. 3143:. 3116:. 3084:. 3057:. 3045:^ 3006:. 2954:. 2926:. 2886:. 2839:. 2813:. 2787:. 2762:. 2712:. 2684:. 2658:. 2628:. 2624:. 2594:. 2590:. 2578:^ 2568:. 2549:. 2515:. 2493:. 2481:^ 2471:. 2445:. 2407:. 2381:. 2363:, 2345:. 2315:. 2311:. 2285:. 2259:. 2234:. 2206:. 2188:. 2155:. 2136:. 2108:. 2066:. 2038:. 2012:. 1994:. 1969:. 1948:. 1915:. 1898:. 1857:. 1818:. 1792:. 1776:^ 1718:. 1714:. 1675:^ 1650:. 1625:. 1595:. 1581:^ 1571:. 1567:. 1373:– 1309:– 1229:– 1191:– 1123:. 1085:, 1038:, 1034:, 893:. 885:, 636:. 539:. 344:, 332:, 318:. 227:, 5194:e 5187:t 5180:v 4581:e 4574:t 4567:v 4017:e 4010:t 4003:v 3947:. 3919:. 3900:. 3864:. 3838:. 3810:. 3777:. 3744:. 3712:. 3613:. 3556:. 3522:. 3488:. 3462:. 3428:. 3395:. 3356:. 3336:. 3297:. 3271:. 3245:. 3223:. 3201:. 3156:. 3128:. 3102:. 3069:. 3039:. 3017:. 2991:. 2965:. 2939:. 2897:. 2871:. 2824:. 2798:. 2773:. 2747:. 2725:. 2697:. 2669:. 2643:. 2609:. 2572:. 2553:. 2534:. 2497:. 2457:. 2418:. 2392:. 2349:. 2330:. 2296:. 2270:. 2245:. 2219:. 2166:. 2140:. 2121:. 2079:. 2051:. 2023:. 1998:. 1980:. 1954:. 1933:. 1902:. 1885:. 1861:. 1822:. 1804:. 1770:. 1748:. 1699:. 1669:. 1636:. 1608:. 1573:2 1552:. 1410:3 1341:2 1261:1 207:( 64:. 62:)

Index



Washington, D.C.
38°53′53″N 77°02′26″W / 38.898091°N 77.040591°W / 38.898091; -77.040591
US$
Rohit Chopra
Federal Reserve
Dodd–Frank Wall Street Reform and Consumer Protection Act
www.consumerfinance.gov
Edit this at Wikidata
independent agency of the United States government
consumer protection
financial sector
banks
credit unions
payday lenders
foreclosure
debt collectors
Dodd–Frank Wall Street Reform and Consumer Protection Act
financial crisis of 2007–08
Great Recession
Federal Reserve
United States Supreme Court
can remove
Project 2025
Richard Cordray
student loans
Federal Reserve
Federal Trade Commission
Federal Deposit Insurance Corporation

Text is available under the Creative Commons Attribution-ShareAlike License. Additional terms may apply.

↑