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You can thank everyone who pushed for legislation of the Wall Street banks/inv banks (post-crisis), without knowing the real stories or who was to blame (basically everyone from consumer to Washington to Wall Street). Legislation/regulation is never limited to those targeted and nearly always responds to past problems, not preventing new ones.

Congress, the SEC, CFTC, Treasury Dept., and the Fed will be scrambling to fill the gaps required by Dodd-Frank but without considering the consequences. Just wait, there's a lot more coming and it is going to keep the U.S. from competing on the global stage.
 

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