Mohamed: We were at school together http://kratom.in.net/ is kratom an opioid Do the 43 senators believe their high-minded talk about bringing more "accountability" or "transparency" to the CFPB? It's hard to see any evidence of that. A host of federal agencies, including (in the banking realm) the Office of Comptroller of the Currency and the Federal Housing Finance Authority, are led by single directors, while most of the financial watchdogs have independent funding. Yet the  senators who object to these characteristics in the CFPB's case have failed to evince a comparable desire to "reform" any other such agencies. In fact, some of the them explicitly favored a single director for the the FHFA, arguing that it would be more effective that way.