WASHINGTON -- If Congress can't pass legislation to keep the government funded by Monday at midnight, the Smithsonian museums will close, the Centers for Disease Control will halt its influenza monitoring program and up to 800,000 federal workers (many of whom have already faced unpaid leave due to sequestration) will be furloughed.
But shutting down the federal government won't stop two of the Republican Party's most despised bogeymen: Obamacare and the Consumer Financial Protection Bureau.
Obamacare is at the center of why there may be a shutdown beginning Tuesday. Instead of passing a clean continuing resolution to fund the government, House Republicans -- egged on by Sen. Ted Cruz (R-Texas) -- have insisted that President Barack Obama's signature health care law be defunded or delayed. The Democratic-controlled Senate, however, has rejected that approach. Without agreement, there will be a shutdown.
A report in July by the nonpartisan Congressional Research Service found that Obamacare -- including the individual mandate detested by so many conservatives -- would still be in effect during a shutdown.
"If a government shutdown were to occur during calendar year 2014, the lapse in funding would not automatically suspend the requirement of the individual mandate," the report said. "In other words, during the time period that the government is shut down, taxpayers who fall within the coverage of the individual mandate would still be accruing penalties for any months in which they lacked minimum essential coverage."
"Many of the core parts of the health care law are funded through mandatory appropriations and wouldn't be affected," Gary Cohen, the Health and Human Services Department official overseeing the health care rollout, told reporters this week.
For years, Republicans have tried to block the CFPB, which was first proposed by Sen. Elizabeth Warren (D-Mass.) when she was still in academia. It was only in July, when Senate Majority Leader Harry Reid (D-Nev.) threatened to change Senate rules, that Republicans ended a two-year blockade on Richard Cordray's nomination to lead the agency. They acknowledged that the problem was not Cordray. Instead, they wanted to use his nomination as leverage to change the CFPB's financing and structure, which would have gutted the agency and its independence.
Republicans have called for the CFPB to be subject to the congressional appropriations process. Supporters of the agency argued that it shouldn't be, since other banking regulators aren't either.
Because it gets its money from the Federal Reserve, and not Congress, it would remain open even if the government shuts down.
Republicans still have their eye on the bureau, though. This week, House Republicans put together a plan that would make raising the debt ceiling contingent on a GOP wish list of items, including giving Congress the authority to slash funding for the CFPB.
Count of complaints by company recorded so far during the US Government shutdown 
Unlike some parts of the US , the Consumer Financial Protection Bureau (CFPB) has been open during the federal government shutdown and recording a record-low number of complaints submitted by consumers against  companies,  companies,  providers, , money transfer providers, companies who provide , and other companies providing consumer loans.  

With data not available for yesterday, the first four days of the shutdown had daily totals of 37, 16, 13, and 3 complaints.  With the exceptions of September 29 with 15 complaints and September 28 with 23, it is the lowest daily total since March 16 of this year when 36 total complaints were recorded and February 23 of this year with 14. The total complaints are also down from the same dates last year, when the total complaints per day for the first four days of October 2012 were 272, 298, 288, and 225.

Of the 69 filed complaints recorded so far this month, 27 were complaints about mortgage companies, 21 were about bank accounts and 10 were about credit card companies.  40% of credit card companies complaints, 42.9% of bank account complaints and 48.1% of mortgage complaints are currently listed as still in progress.  Most of the rest have been closed with an explanation.

 leads all companies in terms of total complaints filed this month with 9. Bayview Loan Servicing, LLC and
 have 7 complaints each. , , and  have 4 each. 
and  have 3 each.  , Nationstar Mortgage, , , and  have 2 complaints each. 18 financial services companies have 1 complaint each filed against them.

During the government shutdown, some CFPB staff have voiced their opinions on . Dan Munz, deputy assistant director for consumer engagement at the CFPB, tweeted, "Boy, shutdown week has really created a sudden bumper crop of amateur federal management experts."; "Also, seems like  is singlehandedly undoing whatever progress he'd made in portraying this as a Dem  shutdown."; and "Basically, there's now a strong incentive to fill legislation with minor symbolic things you can bargain away later to protect the core."

The agency has been able to stay open during the government shutdown because it is funded by the .  According to Amanda Terkel at the '''',  members of the  have put closing the CFPB on their wish list of items in negotiating for a new debt ceiling limit. Party members have previously stalled the appointment of  as the CFPB boss as a way of hindering it from engaging in oversight of financial organizations in the the US.


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