If that’s the case with Dodd-Frank, please cite for me how that is the case. What provisions in it allow for that? I grant is a bank lobbied bill, with our campaign finance system in shambles thanks for conservative judges looking out for big money every bill that comes out of congress has been lobbied by industries heavily, going so far as the business being regulated writing the legislation themselves. Dodd-Frank is by no means perfect, but given rampant GOP opposition, it was all they could pass. There is much to criticize in it, but there is also much to like too. That’s why I think it’s better than nothing. Of course there are far better alternatives, but good luck getting those past Wall St.’s Congress.