Believe it or not, the Consumer Financial Protection Bureau has been an issue through multiple administrations as it operates virtually independently of any oversight to the extent that Congress ceded it’s authority to even fund the organization. There have been court cases in the past, but this is the first time a court, an appeals court, has agreed to a certainty that the institution is unconstitutional on it’s face. Yes, this is an agency that operates on it’s own and no one else in government has any say over any rules established or rulings made. This won;t be the final word . Expect an appeal to SCOTUS to finally resolve this agencies existence as a completely independent entity of the U.S. government.