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A federal appeals court decision in late January upholding the lawfulness of the CFPB’s independent, single-director design will carry wide implications as companies continue to challenge the agency and sets the stage for a final showdown in the U.S. Supreme Court.

The decision, upholding the power structure at the agency, won’t be the last word on the case. Either side could decide to take the dispute to the U.S. Supreme Court, and things could get tricky there.

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