Will Hart and Wilson v. CFPB

The CFPB's funding is double insulated. On the front end, from congressional Congress's appropriation power,. and Congress relinquished its jurisdiction to review agency funding on the back end. In between, Congress gave the Director its purse containing an off-books charge card that rings up unappropriated monies. Wherever the line between a constitutionally and unconstitutionally funded agency may be, this arrangement crosses it.