最高法院以7比2裁定,CFPB資助機製符合憲法,終結保守派領導的司法挑戰,總統拜登與消費者維權人士都對結果大表歡迎。路透社
最高法院裁定,聯邦政府設立消費者金融保護局(CFPB)的舉措並未違背憲法,預料這次案件一錘定音後,可以終結保守派發起的司法挑戰,未來下級法院審理相關案件時,也未必能削弱這個部門的權限。總統拜登與消費者維權陣營都對仲裁結果大表歡迎。綜合美聯社與《華盛頓郵報》報道,最高法院16日以7比2的票數,駁回下級法院早前的仲裁。保守派大法官托馬斯(Clarence
Thomas)在判詞中說,行政部門得到授權,可把指定公帑用於特定目的,而CFPB滿足這些條件,因此設立部門的決定並無問題。
CFPB前董事局成員尼德曼(Joann
Needleman)評論時表示,托馬斯以往一直質疑聯邦政府不應過分監管行業,但這次卻在判詞中表達了意見,可見原告方挑戰的理據相當薄弱。對於部門未來的前景,法律專家表示這次勝利未必能杜絕未來訴訟,但至少能讓CFPB繼續保留。曾有論者形容,法庭一旦廢除這個部門將引發連鎖效應,例如國會對聯邦儲備局撥款、社安金製度、國債支付等問題,都可能牽一發而動全身。
奧巴馬政府在金融海嘯後創立CFPB,希望保護民眾使用金融服務時,免受垃圾收費、掠奪放貸等影響,部門預算來自聯邦儲備局的利潤,無需國會每年撥款。自從CFPB成立後,曆年來一直引發保守派和部分企業挑戰,而這次案件的原告方便是代表工資日放貸機構的協會。
此案經聯邦第五巡回法院仲裁時,3名法官組成的小組批評,憲法要求行政部門的撥款必須得到國會批準,因此CFPB違憲,拜登政府繼而向最高法院上訴。
CFPB前法律副顧問科爾曼(John
Coleman)認為,部門經過這輪訴訟後已經解除最大威脅,日後縱有挑戰,也隻能經過選舉、國會立法等途徑監管,部門不至於完全被廢。
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