Count me among the skeptics starting to doubt that this Congress will ever get around to passing financial regulatory reform.

It's been close to a year and a half since the government bailed out the teetering banking industry and saved the economy from ruin, yet despite all the tough talk in Washington about reining in the too-big-to-fail institutions and better protecting consumers from deceptive practices, the regulatory structure still looks much as it did back when I had a full head of hair.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.