Holding Government Accountable

Protecting the Constitutional Rights of Consumers

Who We Are

The Taxpayers Protection Alliance Foundation (TPAF) is a non-profit non-partisan organization dedicated to educating the public through research, investigative reporting, and analysis about the effects of excessive taxation, regulation, and spending by all levels of government.

Our Mission

The focus of this project – “The Unconstitutional Agency” – is to shine a light on negative impact that the unaccountable and overreaching regulatory actions the CFPB is taking to criminalize the common and standard business practices of financial institutions for which it has no Congressional mandate or constitutional funding mechanism. And as a result, the CFPB is making it harder for lower-income consumers to access the credit products they rely on.

Sen. Toomey: Under Chopra, CFPB is More Out of Control Than Ever Before

Washington, D.C. – In his opening statement at today’s U.S. Senate Banking Committee hearing, Ranking Member Pat Toomey (R-Pa.) said that under Director Rohit Chopra’s leadership, the Consumer Financial Protection Bureau (CFPB) is abusing and exceeding its authorities to pursue a far-Left agenda.

Pointing to Chopra having both discarded the rulemaking process for a controversial new regulation and rigged procedural rules against businesses accused of wrongdoing, Senator Toomey said its past time for Congress to bring accountability to the CFPB by making it subject to the appropriations process and enacting other needed reforms.

"...the Consumer Financial Protection Bureau (CFPB) is abusing and exceeding its authorities to pursue a far-Left agenda."

Ranking Member Pat Toomey (R-Pa.)

"...the Consumer Financial Protection Bureau (CFPB) is abusing and exceeding its authorities to pursue a far-Left agenda."

Ranking Member Pat Toomey (R-Pa.)

"...the Consumer Financial Protection Bureau (CFPB) is abusing and exceeding its authorities to pursue a far-Left agenda."

Ranking Member Pat Toomey (R-Pa.)

News & Resources

Fifth Circuit: CFPB’s Funding Authority is Unconstitutional

Updated March 9, 2023

A decade after the CFPB’s creation, though, the Supreme Court in Seila Law LLC v. Consumer Financial Protection Bureau held that the Bureau’s structure violated the constitutional separation of powers. The Court explained that the for-cause removal provision was “enough to render the agency’s structure unconstitutional.” The Court added that the Bureau’s permanent funding source further aggravated the President’s inability to control the director because the President could not influence the director by recommending or vetoing annual appropriations bills.

View article

The cost of the unaccountable CFPB keeps getting higher

BY FRED BURNSIDE, OPINION CONTRIBUTOR – 09/24/23 11:00 AM ET

The Consumer Financial Protection Bureau faces a constitutional reckoning when the Supreme Court hears arguments on Oct. 3 in CFPB v. Community Financial Services Association of America. Trade associations successfully argued at the Fifth Circuit Court of Appeals that the CFPB’s structure violates the Appropriations Clause because the CFPB does not receive appropriations from Congress, making the agency unaccountable.

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