While there are some needed changes in this bill, there are a few things that need to be separated out and voted on. One is the stress test standards which, btw were passed when they were released from Dodd-Frank regulations earlier this year. There are also some serious questions about further deregulating banks, especially the “too big to fail” banks. This is another attempt by the GOP to rake in cash no matter who it destroys. Just like the deregulation’s under Bush that gave us the 2007-2008-2009 Bush Depression or the Great Recession depending on how polite you wish to be. VOTE NO! On this garbage bill.