The Consumer Financial Protection Bureau ratified most regulatory actions it took from Jan. 4, 2012, through June 30, 2020. The CFPB said the move provides the financial marketplace with certainty that the rules are valid following last week's Supreme Court ruling that the bureau's single-director governance structure is unconstitutional.

In the Seila Law case's 5-4 decision, the high court struck down a provision of the Dodd-Frank Act that authorizes sitting presidents to remove CFPB directors only "for cause." The decision allows the bureau to continue to operate with directors removable at will by the president.