“I refuse to take ‘no’ for an answer!” President Obama blared last week at a campaign rally at a high-school gym in Ohio. Every day that the Senate refused to confirm Richard Cordray, his nominee for the new “consumer watchdog” agency created by the Dodd-Frank financial regulation bill, was another “when millions of Americans were left unprotected.”

So Obama, in a flagrantly unconstitutional gambit, invoked the Recess Appointments Clause to install Cordray, Senate confirmation be damned.

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