Patrick McHenry actually said...

the authority is vested, in fact, in the Director and certain activities can be delegated further at the Director's discretion.

So if we are talking about the Democrat message today, it is that you are an independent Bureau but we don't like you, right?

You need to act under the statute as designed, not based off of what is being yelled at you via a congressional hearing.

Many of us have expressed serious reservations over the establishment of the CFPB. Those are still the initials, as you have re-established.