this undercover back door procedure rather than going through normal order. this could all be resolved quickly. the administration simply needs to nominate someone, have them vetted, and have them go through the confirmation progress and let people vote on the record whether or not they want to destroy the consumer bureau rather than have it done through this back door. >> why would that not work in your opinion, or is that the way to go? >> one of the problems with this agency is it's one of the strangest agencies ever created by federal legislation. it is not accountable to anyone. did you know that, for example, the congress does not even appropriate the money to cfpb -- >> and that is the case with most financial regulators. congress does have authority -- >> we can't hear both of you if you're both talking. >> the reason that's such a terrible system is that means the cfpb is not accountable to anyone. we're discovering now the cfpb
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