The CFPB doesn’t report to Congress. Its funding is outside of Congressional appropriations.
This was all challenged at the Scotus.
Scotus found the authoritarian CFPB to be constitutional.
Article V.
Yes, but they did find the Director appointed forever provisions unconstitutional, so every President gets to remove the last Director and appoint a new one. As the legislation was originally passed, Obama's Director was to serve as long as he wanted and then appoint his replacement.