最高法院以7比2裁定,CFPB资助机制符合宪法,终结保守派领导的司法挑战,总统拜登与消费者维权人士都对结果大表欢迎。路透社
最高法院裁定,联邦政府设立消费者金融保护局(CFPB)的举措并未违背宪法,预料这次案件一锤定音后,可以终结保守派发起的司法挑战,未来下级法院审理相关案件时,也未必能削弱这个部门的权限。总统拜登与消费者维权阵营都对仲裁结果大表欢迎。综合美联社与《华盛顿邮报》报道,最高法院16日以7比2的票数,驳回下级法院早前的仲裁。保守派大法官托马斯(Clarence
Thomas)在判词中说,行政部门得到授权,可把指定公帑用于特定目的,而CFPB满足这些条件,因此设立部门的决定并无问题。
CFPB前董事局成员尼德曼(Joann
Needleman)评论时表示,托马斯以往一直质疑联邦政府不应过分监管行业,但这次却在判词中表达了意见,可见原告方挑战的理据相当薄弱。对于部门未来的前景,法律专家表示这次胜利未必能杜绝未来诉讼,但至少能让CFPB继续保留。曾有论者形容,法庭一旦废除这个部门将引发连锁效应,例如国会对联邦储备局拨款、社安金制度、国债支付等问题,都可能牵一发而动全身。
奥巴马政府在金融海啸后创立CFPB,希望保护民众使用金融服务时,免受垃圾收费、掠夺放贷等影响,部门预算来自联邦储备局的利润,无需国会每年拨款。自从CFPB成立后,历年来一直引发保守派和部分企业挑战,而这次案件的原告方便是代表工资日放贷机构的协会。
此案经联邦第五巡回法院仲裁时,3名法官组成的小组批评,宪法要求行政部门的拨款必须得到国会批准,因此CFPB违宪,拜登政府继而向最高法院上诉。
CFPB前法律副顾问科尔曼(John
Coleman)认为,部门经过这轮诉讼后已经解除最大威胁,日后纵有挑战,也只能经过选举、国会立法等途径监管,部门不至于完全被废。
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