Statement on Ruling That CFPB Structure Unconstitutional

posted October 11, 2016

Tuesday, October 11, 2016 – US Consumer Coalition (USCC) President Brian J. Wise issued the following statement today in response to the U.S Court of Appeals for the District of Columbia Circuit ruling that the Consumer Financial Protection Bureau (CFPB) is unconstitutional because too much power is vested in the Bureau’s sole director. The court said the CFPB can continue operating with the director removable by the President.

“The decision by the Circuit Court against the CFPB justifies what the US Consumer Coalition has been saying for over three years. The CFPB is the most unaccountable and out-of-control agency. The court’s decision that the structure of the CFPB is unconstitutional undermines the agency’s legitimacy, and the concentration of power at the top has led to the rampant discrimination, reckless rulemaking, and employee abuse that is now the legacy of this controversial agency.

“Congress must pass comprehensive Dodd-Frank reform that includes an overhaul of the CFPB, including a change in the leadership structure, bringing the agency under the traditional congressional appropriations process, and subjecting it to the same anti-discrimination standards as other federal agencies and private corporations.”

The US Consumer Coalition (USCC) has led efforts to reform the CFPB through its Consumer Protection Initiative (CPI). Information on that initiative can be found at

About US Consumer Coalition
The US Consumer Coalition (USCC) is a consumer advocacy organization that promotes expanded consumer choice, responsible regulation of consumer-facing industries, fair market conditions, and consumer freedom. Learn more at