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Expert Analysis

CFPB And The Issue Of Its Legitimacy

By Joann Needleman, Jane Luxton and Thomas Brooks (July 16, 2018, 1:54 PM EDT) -- The D.C. Circuit's decision in PHH v. Consumer Financial Protection Bureau, holding that the structure of the CFPB — now also known as the Bureau of Consumer Financial Protection — of a single director was constitutional, seemed to signal an end to the long-running debate on the bureau's legitimacy. But a few months post-PHH, the bureau's future still remains unclear and the discourse shows no sign of letting up....

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