A more-legal solution might involve invoking the “take-care” clause that requires the executive branch to “faithfully execute” laws. They usually get very wide latitude to (de)prioritize things, but requesting zero money and putting all work on hold might be on the other side of the line.
It turns out that people much smarter than me have thought about this for the ACA (e.g., [this article by a Yale law prof](https://www.vox.com/the-big-idea/2017/10/17/16489526/take-ca...) but the treatment of the CFPB actually seems like a much more obvious fit to this non-lawyer....
I don't think that would work, at all. Mulvaney's justification for requesting zero funds was that the agency already had enough funds to more than cover that quarter's spending, the law required him to request "the amount determined by the Director to be reasonably necessary to carry out the authorities of the Bureau under Federal consumer financial law, taking into account such other sums made available to the Bureau from the preceding year (or quarter of such year)", and since he couldn't find any statutory or practical justification for maintaining such a large reserve that amount was zero. It'd probably be rather difficult to come up with any kind of take-care case against someone for seemingly following the law to the letter.
Yes. Congress constantly pulls this rigamarole, even back in the 1974 Congressional Budget Act. That's actually why I wrote, "There is no constitutional duty to request funds". I didn't mean to imply anything else.
These requirements on the President are just a shell game from Congress to blame the President, avoid passing a budget, and pretend to be the "white-knights" each time there is a continuing resolution battle.
It is interesting to note that the CFPB passed in July 2010. Yet, 2015 was the first budget passed since 2009. I think it's safe to say that Congress has purposely engineered this situation to get the self-serving results they want.