American Banker speculates on what President-elect Donald Trump will do with the CFPB, which has enhanced consumer financial protections in recent years; Trump has not been definitive but rather generally against current levels of financial regulation; in October, the US Court of Appeals for DC found that the CFPB's director could be unilaterally replaced by the US President; the agency has until November 25 to appeal; if they should lose the appeal, the publication poses options for the incoming President of (a) pressuring current Director Cordray to resign then replacing him with someone who will drop the legal appeal, or (b) have Republican lawmakers in the next congressional session replace the single director oversight with a five-member commission and subject the CFPB to Congressional appropriations review.  Source