Riaan 
INkantolo Ephakeme ivumile ngoMsombuluko ukuthi izothatha isinqumo mayelana nokuvumelana nomthethosisekelo kwe-Consumer Financial Protection Bureau, edalwe ngemuva kokuwa kwe-Wall Street ngo-2008 futhi yaxhaswa ngokuqondile yi-Federal Reserve.
Icala libeka engcupheni uxhaxha lwama-ejensi azimele, okuhlanganisa okungenzeka ukuthi iFederal Reserve.
Abameli benkantolo bebelokhu bewungabaza umbono wokuthi ama-ejensi angasebenza ngaphandle kokulawula okuqondile kukamongameli kanye neCongress. Kodwa akucaci ukuthi bazohamba ibanga elingakanani ukuze bazibambele mathupha kulezi zinhlaka, zonke ezakhiwe nguKhongolose.
Abaphathi beBiden basheshe baphonsela inselelo isinqumo seNkantolo Yesifunda Yesihlanu eNew Orleans eyayibambe ukuthi i-CFPB ibisebenza ngokungemthetho ngoba “ayisaziphenduleli kuCongress” ngesabelomali sayo sonyaka.
Uma iningi lenkantolo ephakeme elilandela imithetho livuma, lingase libangele ukungabaza ku-Federal Reserve futhi ngoba i-Fed ithembele ezinkokhelweni zebhange kanye nenzuzo yenzalo ngezindleko zayo zokusebenza, hhayi isabelo-mali sonyaka esivela kuKhongolose.
Esicelweni sakhe sokudlulisa icala egameni le-CFPB, ummeli Jikelele u-Elizabeth G. Prelogar wabiza inoveli yesinqumo senkantolo ephansi nokuthi ayilungile.
“Kungokokuqala emlandweni wezwe lethu ukuthi noma iyiphi inkantolo ithi iCongress yephule isigatshana sezabelomali ngokushaya umthetho ogunyaza ukusetshenziswa kwemali,” kusho yena.
Wayecele inkantolo ukuthi inqume icala ngoJuni, kodwa amajaji avotele ukulalela izimpikiswano ekwindla.
Icala libandakanya kokubili umbango osezingeni eliphezulu mayelana nokwehlukaniswa kwamandla koMthethosisekelo kanye nokwehlukana okungokoqobo nezombusazwe mayelana ne-ejensi.
I-CFPB yasungulwa amaDemocrats, okuhlanganisa noSen manje. U-Elizabeth Warren, ukuvikela abathengi nababoleki emikhubeni ekhohlisayo nengalungile ngamabhange nababolekisi bezindlu. Kuphikiswe kancane kancane yimboni enkulu yokuboleka kanye namaRiphabhulikhi amaningi.
Ingxabano yamanje iqale njengenselelo kumthethonqubo ohlongozwayo wababolekisi bosuku lokuhola. Ekunqumeni ababolekisi, amajaji amathathu eSifundazwe sesi-5, bonke abaqokwe nguMongameli uTrump, bathi kwephula uMthethosisekelo ukuvikela ihhovisi ekulweni kwaminyaka yonke mayelana nokwabiwa kwayo.
IJaji u-Cory Wilson uthe “ukungaphenduki kwalesi sikhungo emandleni okunikezwa kwezimali kweCongress, okuhlanganisa nokukhululeka ekubuyekezeni uxhaso lweCongress, kwenza ukuthi … ayisenasibopho sokubika kuCongress futhi, ekugcineni, nakubantu.”
Isinqumo se-5th Circuit, nokho, asizange sithinte ngokushesha uxhaso noma ukusebenza kwe-bureau njengoba amaqembu eqhubeka nokulwa kwawo okusemthethweni.
I-Democrats eyabhala i-Dodd-Frank Act ngo-2010 yazama ukuvikela i-bureau ekuphazamisekeni kwezombusazwe kusuka ku-White House noma kuCongress. Umqondisi wanikwa isikhundla sokuzimela, futhi i-bureau yagunyazwa ukuthola imali efika ku-12% yemali engenayo yonyaka ye-Federal Reserve ngezindleko zayo zokusebenza.
Ngonyaka odlule, i-bureau yasebenzisa amaRandi ayizigidi ezingu-641 ku-$ 734 million eyayitholakala kuyo.
I-Supreme Court’s Conservatives ibeke iso lokungabaza ku-bureau. Eminyakeni emithathu edlule, amajaji esinqumweni sika-5-4 anqaba isikhundla somqondisi futhi anquma ukuthi lowo muntu angase asuswe umongameli nganoma yisiphi isizathu, kuhlanganise nokungezwani kwezombusazwe.
Iningi ecaleni le-Seila Law iqhudelana ne-CFPB lalihlanganisa abaqokwe abahlanu baseRiphabhulikhi kuyilapho abane abaqokwe kuDemocratic Alliance bephikile.
Inkantolo, manje enabayisithupha abaqokwe eRiphabhulikhi, izocubungula udaba loxhaso lwezimali icala le-CFPB vs. Community Financial Services Assn. waseMelika.
Abameli bombuso baseWest Virginia kanye nezinye izifundazwe eziholwa yiRiphabhulikhi ezingu-16 banxuse inkantolo ukuthi ikhiphe isinqumo esimelene ne-CFPB, beyibiza ngokuthi “inhlanganisela enobuthi yamandla abanzi kanye nokuzimela okungahloliwe.” Bathe izifundazwe zidlala indima enkulu ekuvikeleni abathengi, futhi i-CFPB ikhombise “ukuhlola okuhlulekile.”
California Atty. UJenene Rob Bonta kanye nozakwabo abavela ezifundazweni ezingu-20 eziholwa yiDemocratic Alliance bathe inkantolo kufanele isuse ifu elilenga kulesi sikhungo.
“I-CFPB idlala indima ebalulekile ekuthuthukiseni ukuvikelwa kwabathengi kanye nokulawula imboni yezinsizakalo zezezimali,” esho. “Isinqumo seNkantolo Yesifunda sesi-5 esidukile, uma sivunyelwa ukuba sime, sisongela ukukhuphula iminyaka eyishumi yomsebenzi obalulekile wokuqinisa umthetho nokulawula futhi senze izimakethe zezimali zabathengi zibe nesiyaluyalu.”
Isinqumo senkantolo ephakeme esiqinisekisa i-5th Circuit singaba “nomthelela omkhulu futhi oyinhlekelele,” kusho u-Lauren Saunders, umqondisi we-National Consumer Law Centre, futhi “sidale isiphithiphithi esigcawini” uma imithetho yokubolekwa kwemali yeminyaka engu-11 ibingekho emthethweni.
Esikhalazweni sakhe, u-Prelogar waveza ukuthi kuwo wonke umlando waseMelika, iCongress isungule ama-ejensi ayexhaswa ngemali ekhokhwayo namazinga, hhayi isabelo sonyaka. Ucaphune izibonelo zakuqala zePosi, Ihhovisi Lobunikazi kanye neMint yase-US.
Ngekhulu lama-20, iCongress yathatha indlela efanayo yokuxhasa ngemali iFederal Reserve, iFederal Deposit Insurance Corporation kanye neNational Credit Union Administration.
U-Prelogar uphinde waphawula ukuthi ingxenye enkulu yesabelomali sombuso siqukethe ukusetshenziswa kwemali okuyimpoqo ezinhlelweni ezigunyaziwe ezifana ne-Social Security kanye ne-Medicare ezingancikile ekwabiweni kwemali konyaka. Ngonyaka wezimali ka-2021, uthe iCongress igunyaze ama- $ 4.8 trillion ekusetshenzisweni okuyimpoqo okunjalo cishe ku- $ 7 trillion ekusetshenzisweni sekukonke.
Ekwakheni i-CFPB, uthe iCongress yenza lokho okudingwa nguMthethosisekelo ngokugunyaza ihhovisi ukuthi lisebenzise izimali eziqoqwe yiFederal Reserve.
“Izinkantolo azinayo imvume yokuphuma embhalweni nomlando wezinhlinzeko zomthethosisekelo ezamukelwa abasunguli ukuze ziphishekele imibono yabo mayelana nesakhiwo esifanele kanye nokuxhaswa ngezimali kwezinhlaka zokuphatha,” kusho yena.
