. >> the industry was set up as somewhat unyufrpblt they don't get their money from congress, they get their money from the federal reserve. that is not entirely unusual. it does create questions among some in congress about how much oversight they have. he can't, for example, when he goes to the hearing this week, they can't say, if you don't do what we want, we're going to cut off your funding and we're not going to give you the funding. so there is a will the of concern, particularly among republicans, that the agency is on its own and can do what it wants. as you heard, he's trying to stick to what the law has put forward. that's an ongoing question. that's where this legal challenge is going to come in. that's another area where congress was not able to have a say on his appointment. >> who is pushing legal challenges to this agency? >> if his appointment is not valid, there are a lot of authorities that the agency has that they only got when they were with a full-time director appointed, and therefore you could make the argument that any rule-making or enforcement action that the