CFPB sole director held wide authority and served a 5-year term with INM removal. An administrative law judge (ALJ) for the CFPB issued a recommended decision sanctioning PHH Corporation (plaintiff). The director affirmed the sanction. PHH filed suit arguing that the CFPB's structure, with limited oversight, limited accountability to the executive branch, and limited removal powers, violated the separation-of-powers doctrine. Majority upholds the structure but the decision is abrogated by Seila Law.