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BRIDGE v. Consumer Financial Protection Bureau — 11th Cir. (Sep 30, 2026)

No. 25-14109 Argued September 30, 2026 Published October 2, 2026

The Eleventh Circuit hears a challenge to rules for PACE home-improvement financing. Homeowners use it to pay for energy-saving or storm-protection improvements, then repay through their property-tax bills. The Consumer Financial Protection Bureau adopted a rule applying federal consumer-credit protections to those transactions. BRIDGE, an industry association, sued to stop the rule. A Florida district judge denied its request for preliminary relief, and BRIDGE appealed. We hear the consolidated appeals. BRIDGE contends the Bureau went beyond Congress's instructions and improperly regulated state tax programs. The Bureau says voluntary home-improvement financing is consumer credit within its authority. The lawyers also dispute the research used to justify the rule.

BRIDGE v. Consumer Financial Protection Bureau (No. 25-14109) — U.S. Court of Appeals for the Eleventh Circuit, argued September 30, 2026.

Sources
Argument audio — Eleventh Circuit (public domain, 17 U.S.C. § 105):https://www.ca11.uscourts.gov/sites/default/files/oral_argument_recordings/25-14109%2026-10508_09302026.mp3
Argument date and combined docket numbers 25-14109 / 26-10508 — Eleventh Circuit:https://www.ca11.uscourts.gov/oral-argument-recordings?page=1
BRIDGE's filed opening brief — No. 25-14109, Doc. 20, December 23, 2025 (public PDF mirror):https://infobytes.orrick.com/wp-content/uploads/US_APP_CA11_25_14109_d5234611e1611_Appellant_s_brief_filed_.pdf
CFPB's filed response brief — No. 25-14109, Doc. 25, January 22, 2026 (public PDF mirror):https://infobytes.orrick.com/wp-content/uploads/2434000-2434227-c08830b3-c969-4abb-abf7-abc2cbcf9a83-1.pdf
Preliminary relief denied — M.D. Fla., November 3, 2025 order, Doc. 56 (public PDF mirror):https://business.cch.com/BFLD/BRIDGECFPB%28MDFla%29Order-InjDenied_11032025.pdf
Later district-court merits order — M.D. Fla., February 12, 2026, Doc. 75 (public PDF mirror):https://infobytes.orrick.com/wp-content/uploads/BRIDGE-v-CFPB-MDFla-Order-On-Cross-Motions-For-Summary-Judgment-02122026.pdf
Consolidation and appearances — appellate docket mirrored by Justia (snapshot July 9, 2026; not current case status):https://dockets.justia.com/docket/circuit-courts/ca11/26-10508
PACE final rule — Federal Register, January 10, 2025, official GovInfo text:https://www.govinfo.gov/content/pkg/FR-2025-01-10/html/2024-30628.htm
Section 307 — Economic Growth, Regulatory Relief, and Consumer Protection Act (2018), official enacted law:https://www.govinfo.gov/content/pkg/PLAW-115publ174/pdf/PLAW-115publ174.pdf
Ability to repay — 15 U.S.C. § 1639c, official U.S. Code:https://www.govinfo.gov/content/pkg/USCODE-2023-title15/pdf/USCODE-2023-title15-chap41-subchapI-partB-sec1639c.pdf
Civil liability — 15 U.S.C. § 1640, official U.S. Code:https://www.govinfo.gov/content/pkg/USCODE-2023-title15/pdf/USCODE-2023-title15-chap41-subchapI-partB-sec1640.pdf
Anti-commandeering and generally applicable regulation — Reno v. Condon, Supreme Court opinion:https://www.law.cornell.edu/supct/html/98-1464.ZO.html

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