If a financial institution wants to play it has to play by the same rules as all other financial institutions. The Republicans again are establishing systems that we have already seen fail and had to pay a high price for that failure. They are not interested in protecting the consumer or the public but more interested in providing an avenue for greater profits for their wealthy contributors. This change should not pass but it will because they are not concerned with the losses. The tax payer will again be forced to bail these wealthy investors out because who do you think underwrites these financial institutions.