The only thing that more regulation does is provide more work for the lobbyists and lawyers (who gave more money to Obama in 2008 than even Wall Street) and simply lock in the status of the megabanks which have grown tremendously since Obama came to power. The real solution is the free market and the the Constitution. Following the original meaning of the Constitution's interstate commerce clause, which would bar federal regulation of small and local businesses, and granting all local banks an exemption from Dodd-Frank, would allow these local financial institutions to thrive and challenge the market dominance of "Cherokee Liz'" and other Dems' good friends on Wall Street. See http://www.timelyrenewed.com