As you muck around the D.C. swamp, there are plenty of dank crevices its denizens inhabit. Those habitats will need to be cleared away if President Trump ever hopes to drain the swamp. One of the darkest niches is called the Consumer Financial Protection Bureau.

The CFPB imposes horrific costs on America’s financial system and consumers through overregulation, which has led to higher costs for financial services, loss of access to those services for lower-income consumers, and a lack of innovation. But the big reason for radical reform of the CFPB is that it is unconstitutional.