Easy: Article II, Section 2 of the constitution requires the 'Advice and Consent of the Senate...for appointments of...public Ministers and Consuls...and all other Officers of the United States'. The head of the Bureau of Consumer Financial Protection (BCFP) certainly is either a "Minister, Consul or other Officer" of the US. Furthermore, Article I, Section 8 empowers the Congress '...to pay the Debts and provide for the...general Welfare of the United States'. Clearly, private funding (by the Fed) to the BCFP, while the BCFP enacts Govt business, robs Congress of its ability to "to pay the Debts" to the employees of that bureau. Hence: Dodd Frank is Unconstitutional!