This is insulting, many Americans suffered greatly as a result of the 2008 crash. Financial industry scandals continue; UBS, Wells Fargo, JPMorgan Chase, Libor...continued oversight and controls are required. I don't have the resources to ferret out conflicts of interest by my financial investors, I want secure investment choices. I can't afford a battery of attorneys or accountants to review my mortgages or loans. I trust these institutions with my hard earned money and they need to remain accountable!