diff --git a/multiconfig.go b/multiconfig.go
index 0070344..3fa5df2 100644
--- a/multiconfig.go
+++ b/multiconfig.go
@@ -52,9 +52,11 @@ func NewWithPath(path string) *DefaultLoader {
 	}
 
 	e := &EnvironmentLoader{}
-	f := &FlagLoader{}
+	// FlagLoader is unusable right now, refer to: https://github.com/koding/multiconfig/issues/75
+	// f := &FlagLoader{}
 
-	loaders = append(loaders, e, f)
+	// loaders = append(loaders, e, f)
+	loaders = append(loaders, e)
 	loader := MultiLoader(loaders...)
 
 	d := &DefaultLoader{}
diff --git a/validator.go b/validator.go
index 67d04e2..d700825 100644
--- a/validator.go
+++ b/validator.go
@@ -58,6 +58,17 @@ func (e *RequiredValidator) processField(fieldName string, field *structs.Field)
 				return err
 			}
 		}
+	case reflect.Ptr:
+		if field.IsExported() && reflect.ValueOf(field.Value()).Elem().Kind() == reflect.Struct {
+			fieldName += "."
+			for _, f := range field.Fields() {
+				if err := e.processField(fieldName, f); err != nil {
+					return err
+				}
+			}
+			return nil
+		}
+		fallthrough
 	default:
 		val := field.Tag(e.TagName)
 		if val != e.TagValue {