In this episode of Unwritten Law, NCLA President Mark Chenoweth and Senior Litigation Counsel John Vecchione are joined by Russ Ryan to discuss a recent oral argument before the U.S. Court of Appeals for the Sixth Circuit challenging the federal government’s student loan payment and interest pause.

The case, Mackinac Center for Public Policy v. U.S. Department of Education, focuses on the executive branch’s decision—under both the Trump and Biden administrations—to extend a moratorium on student loan payments and interest accrual long after Congress’s limited authorization expired. Russ explains why those unilateral extensions wiped away billions of dollars in interest without statutory authority.

The discussion zeroes in on standing: how nonprofit public-interest employers benefit from Congress’s Public Service Loan Forgiveness program, why administrative action that reduces outstanding student debt can unlawfully diminish that congressionally granted subsidy, and how Supreme Court precedent—most notably Clinton v. City of New York—supports the theory that loss of a subsidy is a concrete injury.

Mark, John, and Russ also unpack the judges’ questions at oral argument, the Sixth Circuit’s prior rulings, and why this case could clarify when organizations may challenge executive actions that override Congress’s spending decisions.

In this episode of Unwritten Law, Mark Chenoweth and John Vecchione are joined by NCLA Of Counsel Margot Cleveland to discuss one of NCLA’s most consequential ongoing cases: Davidson v. Adkins, a constitutional challenge to the SEC’s Consolidated Audit Trail (CAT).

The CAT requires broker-dealers to collect and transmit detailed data on virtually every stock trade in the United States, creating a massive government-accessible database of Americans’ financial activity. Margot explains why recent changes announced by the SEC—such as removing names but retaining identifying numbers—do not cure the Fourth Amendment problem, and why suspicionless, warrantless searches of stock-trading data resemble the general warrants the Constitution was designed to forbid.

The episode also examines the SEC’s repeated requests for delays while the program continues to operate, the lack of congressional authorization or appropriation for CAT, related rulings from the Eleventh Circuit, and the broader dangers of mass financial surveillance for privacy, free association, and constitutional limits on agency power.

In this episode of Unwritten Law, NCLA President Mark Chenoweth and Senior Litigation Counsel John Vecchione discuss John’s recent oral argument at the U.S. Court of Appeals for the Fifth Circuit in Word v. Department of Energy.

Bill Word and David Daquin both own a dishwasher and a washing machine that they want to replace. The U.S. Department of Energy has imposed regulations in 2012 and 2024 illegally limiting how much water dishwashers and washing machines can use. The appliances Word and Daquin want to buy use more water than those regulations allow. But under the amended Energy Policy and Conservation Act of 1975, the Department of Energy can only regulate water use in “faucets, showerheads, water closets and urinals”.

The conversation also explores a key procedural question: where regulated parties can seek meaningful relief when an agency repeatedly issues unlawful rules, and whether district courts must be able to issue injunctions to stop ultra vires agency action. Along the way, Mark and John reflect on the Fifth Circuit’s prior rulings, post-Loper Bright limits on agency power, and why congressional action—not bureaucratic improvisation—is the proper way to regulate.