What is the main concern regarding the Consumer Financial Protection Bureau (CFPB) funding structure?

According to Ben Shapiro, the primary concern with the CFPB is that it operates independently from congressional funding oversight. As Shapiro points out, the bureau "would have no mandate to protect the safety and soundness of the financial institutions it regulates" and "would not rely on Congress for funding." This independence from Congress creates a situation where the CFPB lacks proper accountability mechanisms, potentially leading to an unregulated financial regulatory body. The funding structure essentially allows the bureau to operate outside the normal checks and balances that apply to other government agencies, raising questions about its effectiveness and constitutional legitimacy.