President Obama appointed Richard Cordray to head the Consumer Financial Protection Bureau in a recess appointment. But was it legal? Think Big Work Small (TBWS Daily) lays out the facts here. The CFPB was created in the Dodd Frank Bill and answers to the Federal Reserve, which is not a government entity.
Was Cordray’s Appointment to the CFPB illegal?
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Ordinary citizen concerned with the direction our country is headed.
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Right Reason 
June 19, 2012
Housing and Mortgage