It turns out that people much smarter than me have thought about this for the ACA (e.g., [this article by a Yale law prof](https://www.vox.com/the-big-idea/2017

It turns out that people much smarter than me have thought about this for the ACA (e.g., [this article by a Yale law prof](https://www.vox.com/the-big-idea/2017/10/17/16489526/take-care-clause-obamacare-trump-sabotage-aca-illegal https://www.vox.com/the-big-idea/2017/10/17/16489526/take-ca...) but the treatment of the CFPB actually seems like a much more obvious fit to this non-lawyer....