CFPB v. ALL AMERICAN CHECK CASHING, INCORPORATED

No. 18-60302.

952 F.3d 591 (2020)

CONSUMER FINANCIAL PROTECTION BUREAU, Plaintiff-Appellee, v. ALL AMERICAN CHECK CASHING, INCORPORATED; Mid-state Finance, Incorporated; Michael E. Gray, Individually, Defendants-Appellants.

United States Court of Appeals, Fifth Circuit.

FILED March 3, 2020.


Attorney(s) appearing for the Case

Lawrence W. DeMille-Wagman , Christopher J. Deal , Consumer Financial Protection Bureau, Washington, DC, for Plaintiff-Appellee.

Theodore Olson , Jeremy Max Christiansen , Joshua Seth Lipshutz, Esq. , Lochlan Francis Shelfer , Helgard Clarice Walker, Esq. , Gibson, Dunn & Crutcher, L.L.P., Washington, DC, Bentley Edd Conner , Canton, MS, Michael Verdier Cory, Jr., Esq. , Dale Danks, Jr., Esq. , Danks, Miller & Cory, Jackson, MS, for Defendants-Appellants.

Kyle Douglas Hawkins , Office of the Attorney General, Office of the Solicitor General, Austin, TX, for Amici Curiae State of Texas, State of Arkansas, State of Georgia, State of Indiana, State of Kansas, State of Louisiana, State of Michigan, State of Nebraska, State of Oklahoma, State of South Carolina, State of Tennessee, State of Utah, State of West Virginia, Paul R. Lepage, Governor of Maine.

Ilan Wurman , Arizona State University, Sandra Day O'Connor College of Law, Phoenix, AZ, for Amicus Curiae Separation of Powers Scholars.

Oliver J. Dunford , Pacific Legal Foundation, Palm Beach Gardens, FL, for Amicus Curiae Pacific Legal Foundation.

Andrew John Pincus , Mayer Brown, L.L.P., Washington, DC, for Amicus Curiae Chamber of Commerce of the United States of America.

Marc Gottridge , Allison Michele Wuertz, Esq. , Hogan Lovells US, L.L.P., New York, NY, Ilya Shapiro, Esq. , Cato Institute, Washington, DC, for Amicus Curiae Cato Institute.

Elizabeth Bonnie Wydra , Chief Counsel, Constitutional Accountability Center, Washington, DC, for Amicus Curiae Current and Former Members of Congress.

Katharine M. Mapes , Jeffrey Michael Bayne, Esq. , Spiegel & McDiarmid, L.L.P., Washington, DC, for Amici Curiae Harold H. Bruff, Gillian E. Metzger, Peter Shane, Peter L. Strauss, Paul R. Verkuil.

Scott Lawrence Nelson , Allison M. Zieve , Public Citizen Litigation Group, Washington, DC, for Amici Curiae Public Citizen, Incorporated, Public Citizen, Incorporated, Center for Responsible Lending, Consumer Federation of America, Consumers Union, National Association of Consumer Advocates, National Consumer Law Center, Tzedek DC, United States Public Interest Research Group Education Fund.

Colin Michael Watterson , Susman Godfrey, L.L.P., Houston, TX, for Amicus Curiae Appleseed Foundation, Incorporated.

Before HIGGINBOTHAM, SMITH, and HIGGINSON, Circuit Judges.


In Collins v. Mnuchin, our court was explicit that its holding on the constitutionality of the FHFA's structure was not inconsistent with the D.C. Circuit's holding in PHH Corp. v. CFPB, 881 F.3d 75 (D.C. Cir. 2018). See Collins, 896 F.3d...

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