CFPB wins rehearing in PHH case -- what will the court do next?

  • There are two issues that the hearing could address: How/when the CFPB should inform agents/brokers about regulation changes, and whether the single-director structure of the bureau is unconstitutional.
  • The CFPB's request for a rehearing indicates that its bigger concern is the structure/constitutionality issue.

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Does the director of the Consumer Financial Protection Bureau (CFPB) have too much power — or the correct amount? And how and when should the bureau inform the real estate industry about any regulation changes?