Winter Storm Hits U.S.: Stunning Photos from Across the Country
- Shannon White, who has been homeless for 30 years, uses a blanket too stay warm while walking to a day shelter in Oklahoma City, Oklahoma January 24, 2026.
- A de-icing crew works during the winter storm on a Southwest Airlines flight at Nashville International Airport in Nashville, Tennessee.
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A de-icing crew works during the winter storm on a Southwest Airlines flight at Nashville International Airport in Nashville, Tennessee.
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Ice crystals form inside a kitchen window in Lowville,New York.
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Cars drive in the snow on interstate 630 in Little Rock, Arkansas.
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Snow falls during a winter storm in Kansas City, Missouri.
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Volunteers prepare cots at an inclement weather shelter ahead of a winter storm at Fair Parks Automobile Building in Dallas, Texas on Friday, Jan. 23, 2026.
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Supreme Court to Hear Case Challenging Consumer Financial protection Bureau’s Funding
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The Supreme Court agreed on January 24,2024,to hear a challenge to the funding structure of the Consumer Financial Protection Bureau (CFPB),a case that could significantly limit the agency’s power.The case, Consumer Financial Protection Bureau v.community Financial Services Association of America, Ltd.,will be heard during the Court’s current term,with a decision expected by June 2024.
Background of the Case
The lawsuit stems from a 2017 rule issued by the CFPB regarding payday lending. The Community Financial Services Association of America (CFSAA), a payday loan industry group, argued that the CFPB’s funding mechanism – receiving direct appropriations from the Federal Reserve rather than through the annual congressional appropriations process – is unconstitutional. They contend this independence from Congress gives the agency too much power.
The CFPB’s Funding Structure
Established by the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010, the CFPB is funded by the Federal Reserve System, not directly by Congress. In fiscal year 2023, the CFPB received $744.2 million from the Federal Reserve, according to the agency’s annual report. https://www.consumerfinance.gov/about-us/reports/annual-reports/ This funding structure was intended to insulate the agency from political pressure.
Arguments Before the Court
The CFSAA argues that the CFPB’s funding violates the Appropriations Clause of the Constitution, which grants Congress the power of the purse. They claim the agency’s self-funding mechanism circumvents congressional control. The CFPB maintains that its funding structure is lawful and necessary to ensure its independence and effective operation.The Biden management supports the CFPB’s position.
Potential Implications
A ruling against the CFPB could have far-reaching consequences. If the Court finds the CFPB’s funding unconstitutional, it could invalidate past agency actions and require Congress to directly fund the bureau, potentially subjecting it to increased political influence. This could weaken the agency’s ability to protect consumers from predatory financial practices. Since its inception, the CFPB has returned over $16.8 billion to more than 6.6 million consumers,according to the agency. https://www.consumerfinance.gov/results/
The case is being closely watched by consumer advocates, financial institutions, and lawmakers on both sides of the aisle.