they'll make is those appointees had no right to make the regulations because they weren't constitutionally seated. jon: semantics, it would seem to me, sort of enters into here. who wants to argue against something that's called the consumer finance protection bureau or, you know, whatever the title, sounds like a great thing. >> we want to be protected, sure. jon: right. >> the question is how are they going to exercise that authority because they have a very broad definition. are they going to use it to correct real abuses or to punish businesses unfairly? they have a very generous, new word called abusive practices that hasn't been tested yet that they get to define, and that's creating a lot of anxiety among bankers. what's it going to mean to our lending practices and business model? jon: paul gigot, thank you. catch more of him this weekend when he hosts the journal editorial report, that's talkheg about some ofn time