In the wake of the 2007-2008 financial crisis, Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010, creating the Consumer Financial Protection Bureau (CFPB). Ever since then, victims of the CFPB have tried again and again to find a court that would shut it down.
A brainchild of far-left Senator Elizabeth Warren (D-Mass.), CFPB was designed from the start to avoid constitutional limitations. It is housed inside the Eccles Building in Washington, D.C., along with the Federal Reserve’s Board of Governors. It isn’t funded by Congress, but by the Federal Reserve, and, although part of the Executive Branch, there is virtually no congressional or executive oversight of the agency.
It writes its own rules, finds who violates them, and then punishes them, sometimes with outrageous fines that threaten their very existence.
In a lawsuit filed by Connecticut attorney Kimberly Pisinski in July 2013, Pisinski alleged that the “CFPB’s structure insulates it from political accountability and internal checks and balances in violation of the United States Constitution. Unbridled from constitutionally-required accountability, CFPB has engaged in ultra vires [“beyond the powers”] and abusive practices, including attempts to regulate the practice of law … attempts to collect attorney-client protected material and overreaching demands for, and mining of, personal financial information of American citizens, which has prompted a Government Accountability Office investigation.”
Her case was dismissed by a D.C. federal court a few months later.
https://thenewamerican.com/15-states-try-to-rein-in-consumer-financial-protection-bureau/
Who is in charge of your children? That has been a perennial question that has grown in importance over the last few years. When I was a child, it was understood that, with rare exceptions, parents were in charge of a child’s upbringing. This included medical, religious, and educational decisions. However, over the last few decades, the role of the parent in these decisions has been replaced by experts. What happens when the goal of the experts differs from those of the parents? Who decides the future of the rising generations? It was understood that the state acted in loco parentis, in place of the parents, only for the safety of the child. A recent case in U.S. District Court shows that be it health departments, child services, schools, or even the courts. Government not only believes they know better than the parents, they are more than willing to act in loco parentis tyrannis.
https://constitutionstudy.com/?p=8897
With the release of ChatGPT and other artificial intelligence (AI) applications, there has been a lot of speculation and downright assertions about our future. With over 30 years of experience in Information Technology (IT), not more than a passing understanding of AIs, I've come to the conclusion that much of what I've heard is more science fiction than fact. A recent court case decided in the D.C. District Court revolved around one very important question. Do AIs have rights?
In this third installment of the three-part series on the branches of government, we look at the role of the third and weakest branch. At least that is what our Founding Fathers thought of it. What is the role of the federal judiciary? What are the extent of their powers, how do they related to the other two branches of government, and why is a proper understanding of the role of the judiciary critical if the United States is to remain a constitutional republic?
https://constitutionstudy.com/?p=8575
Today is the 238th anniversary of the signing of the Constitution, which was then sent to the states for ratification. Sadly, this day goes all but unnoticed by most Americans, and appearing in only some of our calendars. However, here at The Constitution Study, we not only commemorate this day, but seek the purposes of this great document each and every day. - Live 4PM ET with Host Paul Engel @CyberEngel @OutLoudNews
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The recent political assassination of Charlie Kirk has led to a lot of interviews and news stories about the man. It’s almost as if people were trying to justify his elevation to sainthood for the conservative movement. That’s not to say there aren’t others ready to take advantage of this shooting to infringe on your rights. - Live 4PM ET with Host Paul Engel @CyberEngel @OutLoudNews
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Benjamin Franklin wrote “They who would give up an essential liberty for temporary security, deserve neither liberty or security.” What does it say about the American people who seem willing to give up their right to control their government in exchange for Internet access?
https://constitutionstudy.com/2025/09/15/491-trading-our-rights-for-internet-access/
