"Requiring the availability of classwide arbitration," Justice Scalia wrote for the majority in AT&T Mobility v. Concepcion "interferes with fundamental attributes of arbitration." The main purpose of the Federal Arbitration Act, he wrote, "is to ensure the enforcement of arbitration agreements according to their terms." The court upheld a similar decision in 2013's American Express v. Italian Colors Restaurant and again about two weeks ago in DirecTV v. Imburgia. However, the court's support of arbitration is based on the supremacy of federal law over state law. Federal law can be changed — and very well might be if the CFPB gets its way. "Consumers should not be asked to sign away their legal rights when they open a bank account or credit card," said CFPB Director Richard Cordray earlier this year. "Companies are using the arbitration clause as a free pass to sidestep the courts and avoid accountability for wrongdoing.