[quote=ucodegen]1) I think the OP is trolling in this case. The account name was created just to post this.[/quote]

The article was posted yesterday and my account was created before that. Further, Bill Black is probably the foremost authority on effective banking regulation. So your theory about this being a troll is way off.

American needs effective, sensible regulation to have any hope of crawling out of this deep hole the anti-regulators have put us in.