In the enacting of the financial reform law, a group of out-of-control, too-big-to-regulate, too-big-to-stand-up-to creatures of the 1994 interstate banking/branching mistake bulldozed their way to victory through the ultimate method of consolidation - that of political muscle.

We ain't seen nothin' yet. The worst is yet to come. Historians will make note of the fact that only a matter of months kept the worst banking bill of the 20th century from being the worst banking bill of the 21st.

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