CONSUMER FIN. PROTECTION v. ALL AMERICAN CHECK

No. 18-60302.

33 F.4th 218 (2022)

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 May 2, 2022.


Attorney(s) appearing for the Case

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. , Danks, Miller & Cory, Jackson, MS, for Defendants-Appellants.

Judd Edward Stone, II , 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 Nebraska, State of Oklahoma, State of South Carolina, State of Tennessee, State of Utah, State of West Virginia.

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 Chamber of Commerce of the United States of America.

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

Elizabeth 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, Americans for Financial Reform Education Fund, 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 Richman, Chief Judge, and Higginbotham, Jones, Smith, Stewart, Dennis, Elrod, Southwick, Haynes, Graves, Higginson, Costa, Willett, Duncan, Engelhardt, Oldham, and Wilson, Circuit Judges.


This civil enforcement matter comes to the en banc court on interlocutory appeal under 28 U.S.C. § 1292(b). The action and its history are accurately described in the panel majority and separate opinions, Consumer Financial Protection Bureau [CFPB] v. All American Check Cashing, Inc., 952 F.3d 591 (5th Cir. 2020).

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