--- title: CFPB declared constitutional by Court of Appeals description: In a shocking reversal of its previous ruling, the Court of Appeals declared that the Consumer Financial Protection Bureau is constitutionally structured. image: https://blog.softprocorp.com/hubfs/court%20of%20appeals.jpg --- **800-848-0143** Request a Demo [Contact Us](http://softprocorp.flywheelsites.com/contact-us/)[Blog](https://blog.softprocorp.com/?__hstc=190569908.2565e5b7b5a67b3a02e01a942807fecd.1514783189296.1514783189296.1514788403894.2&__hssc=190569908.1.1514788403894&__hsfp=2437171227)[Careers](http://softprocorp.flywheelsites.com/about/careers/) Search [MySoftPro Login](https://my.softprocorp.com/?__hstc=190569908.2565e5b7b5a67b3a02e01a942807fecd.1514783189296.1514783189296.1514788403894.2&__hssc=190569908.1.1514788403894&__hsfp=2437171227) SEARCH BLOGS SEARCH ALL [![softpro logoMain](https://blog.softprocorp.com/hubfs/softpro-logo.svg)](https://softprocorp.com/) - [Products](https://www.softprocorp.com/real-estate-software-solutions/) - 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The decision reverses the court’s [October 2016 decision](http://www.housingwire.com/articles/38252-phh-wins-landmark-victory-cfpb-ruled-unconstitutional) that declared the CFPB’s leadership structure unconstitutional by a 2-1 vote and vacated a $100 million fine levied by the CFPB against **PHH Corp**. “None of the theories advanced by PHH supports its claim that the CFPB is different in kind from the other independent agencies and, in particular, traditional independent financial regulators,” the court’s ruling states. “The CFPB’s authority is not of such character that removal protection of its Director necessarily interferes with the President’s Article II duty or prerogative,” the ruling continued. “The CFPB is neither distinctive nor novel in any respect that calls its constitutionality into question. Because none of PHH’s challenges is grounded in constitutional precedent or principle, we uphold the agency’s structure.” The court also ruled that PHH’s challenge, if successful, would have changed the face of government as we know it. Click [here](https://www.housingwire.com/articles/42410-stunner-court-of-appeals-reverses-earlier-ruling-declares-cfpb-constitutional?eid=380873724&bid=1990114) to read the full article on HousingWire. 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