CONSUMER FINANCIAL PROTECTION BUREAU v. ALL AMERICAN CHECK CASHING INCORPORATED (2020)

United States Court of Appeals, Fifth Circuit.

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

No. 18-60302

Decided: March 20, 2020

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

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.