[20191127]LSB10366_最高法院将审查CFPB的合宪性 .pdf

CRS Legal Sidebar Prepared for Members and Committees of Congress Legal SidebarLegal Sidebari i Supreme Court to Review Constitutionality of the CFPB November 27, 2019 Last month the Supreme Court agreed to hear a constitutional challenge to one of the signature agencies Congress created in response to the 2008 financial collapse: the Consumer Financial Protection Bureau (CFPB). In Seila Law LLC v. CFPB, the Court is to review whether it is permissible for that agency to be led by a single director protected from at-will removal by the President, and if not, whether the Court may correct any error by severing the directors removal protections. This Sidebar identifies some of the CFPBs key attributes that the Court is likely to scrutinize. CRS products in preparation discuss other issues raised by this case, including possible remedies the Court may order if the CFPBs organizational structure is held unconstitutional. Background The CFPB is tasked with administering 18 preexisting federal consumer protection statutes that are intended to ensure consumers have access to financial products, services, and markets that are “fair, transparent, and competitive.” The agency is led by a sin