United States Organizations for Bankruptcy Alternatives, Inc. v. Department of Banking, 26 A.3d 474

Act 117 (Debt Management Services Act) regulates debt settlement services and requires licensing and compliance with Department regulations.
USOBA challenged provisions of Act 117 as unconstitutional on non-delegation, equal protection, and due process grounds in Commonwealth Court.
Commonwealth Court held certain provisions (3(b) licensing regulations and 15(h) fee regulation) unconstitutional under the Non-Delegation Clause.
Lower court granted partial relief striking two provisions; other challenged provisions remained unresolved.
Department appealed; USOBA cross-appealed; court questioned whether the Commonwealth Court order was a final, appealable order under Rule 341.
Pennsylvania Bankers and Wickett jurisprudence guided whether the declaratory judgment order is a final, appealable order and whether the appeal is interlocutory.

Issue	Plaintiff's Argument	Defendant's Argument	Held
Is the Commonwealth Court's order a final appealable order under Rule 341?	Department: order final; DJA creates finality; appealable as to Sections 3(b) and 15(h).	USOBA: order is interlocutory; remaining claims unresolved; not a final order.	Order is not a final, appealable order; cross-appeals quashed.
Does Pennsylvania Bankers govern the appealability here?	Department: Bankers supports finality because relief on key provisions is determined.	USOBA: Bankers is distinguishable; narrowed relief does not finalize the case.	Pennsylvania Bankers controls; the order is interlocutory.
Is USOBA's cross-appeal jurisdictionally proper if the Department's appeal is quashed?	Department: cross-appeal unnecessary if Department's appeal governs; jurisdiction unclear.	USOBA: contingent cross-appeal seeks relief if Department succeeds; otherwise not ripe.	USOBA’s cross-appeal is also quashed.
Does the Department's status as a government entity affect appealability under Rule 341?	Department argues special treatment due to being a Commonwealth party.	Banking rule should not distinguish by party; finality controls.	No preferential treatment; Rule 341 applies uniformly.

Pennsylvania Bankers Ass'n v. Dep't of Banking, 948 A.2d 790 (Pa. 2008) (if order narrows claims without final resolution, not appealable under DJA)
Wickett, 763 A.2d 813 (Pa. 2000) (DJA finality depends on whether order ends litigation or merely narrows disputes)