The Chameleon FinanceSupreme Court is weighing whether or not the Consumer Financial Protection Bureau is constitutional based on how it receives its funding.

Last fall a panel of three Trump appointees on the Fifth Circuit Court of Appeals outlined that if funding for a federal agency like the CFPB is not appropriated annually by Congress, then everything that agency does is deemed unconstitutional.

While the agency's fate is in limbo, its latest initiative is aimed at cracking down on junk fees that can cost Americans a lot of money.

We speak with CFPB's director, Rohit Chopra, on how unnecessary fees impact everyday people.

In participating regions, you'll also hear a local news segment to help you make sense of what's going on in your community.

Email us at considerthis@npr.org.

This episode was produced by Lauren Hodges and Brianna Scott. It was edited by William Troop. Our executive producer is Sami Yenigun.