Consumer Fin. Prot. Bureau v. All Am. Check Cashing, Inc.

Full title: CONSUMER FINANCIAL PROTECTION BUREAU, Plaintiff - Appellee v. ALL AMERICAN…

Court: UNITED STATES COURT OF APPEALS FOR THE FIFTH CIRCUIT

Date published: Mar 20, 2020

953 F.3d 381 (5th Cir. 2020)

Opinion

No. 18-60302

03-20-2020

CONSUMER FINANCIAL PROTECTION BUREAU, Plaintiff - Appellee v. ALL AMERICAN CHECK CASHING, INCORPORATED; Mid-State Finance, Incorporated; Michael E. Gray, Individually, Defendants - Appellants

Lawrence W. DeMille-Wagman, Christopher J. Deal, Consumer Financial Protection Bureau, Washington, DC, for Plaintiff-Appellee. Theodore Olson, Jeremy Max Christiansen, Joshua Seth Lipshutz, Esq., Lochlan Francis Shelfer, Helgard Clarice Walker, Esq., Gibson, Dunn & Crutcher, L.L.P., Washington, DC, Bentley Edd Conner, Canton, MS, Michael Verdier Cory, Jr., Esq., Dale Danks, Jr., Esq., Danks, Miller & Cory, Jackson, MS, for Defendants-Appellants. Kyle Douglas Hawkins, Office of the Attorney General, Office of the Solicitor General, Austin, TX, for Amici Curiae State of Texas, State of Arkansas, State of Georgia, State of Indiana, State of Kansas, State of Louisiana, State of Nebraska, State of Oklahoma, State of South Carolina, State of Tennessee, State of Utah, State of West Virginia, and Paul R. Lepage. Ilan Wurman, Arizona State University, Sandra Day O'Connor College of Law, Phoenix, AZ, for Amicus Curiae Separation of Powers Scholars. Oliver J. Dunford, Pacific Legal Foundation, Palm Beach Gardens, FL, for Amicus Curiae Pacific Legal Foundation. Andrew John Pincus, Mayer Brown, L.L.P., Washington, DC, for Amicus Curiae Chamber of Commerce of the United States of America. Marc Gottridge, Allison Michele Wuertz, Esq., Hogan Lovells US, L.L.P., New York, NY, Ilya Shapiro, Esq., Cato Institute, Washington, DC, for Amicus Curiae Cato Institute. Elizabeth Bonnie Wydra, Chief Counsel, Constitutional Accountability Center, Washington, DC, for Amicus Curiae Current and Former Members of Congress. Katharine M. Mapes, Jeffrey Michael Bayne, Esq., Spiegel & McDiarmid, L.L.P., Washington, DC, for Amici Curiae Harold H. Bruff, Gillian E. Metzger, Peter Shane, Peter L. Strauss, and Paul R. Verkuil. Scott Lawrence Nelson, Allison M. Zieve, Public Citizen Litigation Group, Washington, DC, for Amici Curiae Public Citizen, Incorporated, Americans for Financial Reform Education Fund, Center for Responsible Lending, Consumer Federation of America, Consumers Union, National Association of Consumer Advocates, National Consumer Law Center, Tzedek DC, and United States Public Interest Research Group Education Fund. Colin Michael Watterson, Susman Godfrey, L.L.P., Houston, TX, for Amicus Curiae Appleseed Foundation, Incorporated.

Lawrence W. DeMille-Wagman, Christopher J. Deal, Consumer Financial Protection Bureau, Washington, DC, for Plaintiff-Appellee.

Theodore Olson, Jeremy Max Christiansen, Joshua Seth Lipshutz, Esq., Lochlan Francis Shelfer, Helgard Clarice Walker, Esq., Gibson, Dunn & Crutcher, L.L.P., Washington, DC, Bentley Edd Conner, Canton, MS, Michael Verdier Cory, Jr., Esq., Dale Danks, Jr., Esq., Danks, Miller & Cory, Jackson, MS, for Defendants-Appellants.

Kyle Douglas Hawkins, Office of the Attorney General, Office of the Solicitor General, Austin, TX, for Amici Curiae State of Texas, State of Arkansas, State of Georgia, State of Indiana, State of Kansas, State of Louisiana, State of Nebraska, State of Oklahoma, State of South Carolina, State of Tennessee, State of Utah, State of West Virginia, and Paul R. Lepage.

Ilan Wurman, Arizona State University, Sandra Day O'Connor College of Law, Phoenix, AZ, for Amicus Curiae Separation of Powers Scholars.

Oliver J. Dunford, Pacific Legal Foundation, Palm Beach Gardens, FL, for Amicus Curiae Pacific Legal Foundation.

Andrew John Pincus, Mayer Brown, L.L.P., Washington, DC, for Amicus Curiae Chamber of Commerce of the United States of America.

Marc Gottridge, Allison Michele Wuertz, Esq., Hogan Lovells US, L.L.P., New York, NY, Ilya Shapiro, Esq., Cato Institute, Washington, DC, for Amicus Curiae Cato Institute.

Elizabeth Bonnie Wydra, Chief Counsel, Constitutional Accountability Center, Washington, DC, for Amicus Curiae Current and Former Members of Congress.

Katharine M. Mapes, Jeffrey Michael Bayne, Esq., Spiegel & McDiarmid, L.L.P., Washington, DC, for Amici Curiae Harold H. Bruff, Gillian E. Metzger, Peter Shane, Peter L. Strauss, and Paul R. Verkuil.

Scott Lawrence Nelson, Allison M. Zieve, Public Citizen Litigation Group, Washington, DC, for Amici Curiae Public Citizen, Incorporated, Americans for Financial Reform Education Fund, Center for Responsible Lending, Consumer Federation of America, Consumers Union, National Association of Consumer Advocates, National Consumer Law Center, Tzedek DC, and United States Public Interest Research Group Education Fund.

Colin Michael Watterson, Susman Godfrey, L.L.P., Houston, TX, for Amicus Curiae Appleseed Foundation, Incorporated.

Before OWEN, Chief Judge, JONES, SMITH, STEWART, DENNIS, ELROD, SOUTHWICK, HAYNES, GRAVES, HIGGINSON, COSTA, WILLETT, DUNCAN, ENGELHARDT, and OLDHAM, Circuit Judges.¹

1 Judge Ho is recused and did not participate in this decision.
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BY THE COURT: A majority of the circuit judges in regular active service and not disqualified having voted in favor, on the Court’s own motion, to rehear this case en banc,

IT IS ORDERED that this cause shall be reheard by the court en banc with oral argument on a date hereafter to be fixed. Pursuant to 5th Cir. R. 41.3, the panel opinion in this case dated March 3, 2020, is vacated.