Bottom-up reform

And yet now, on the verge of 2010, little has changed. The US House has recently passed a substantial financial reform measure that includes greater oversight of derivatives markets, but that bill now heads to the Senate, where apparently all reform efforts go to die (or at least stall). Financial institutions under temporary US government oversight after borrowing federal funds under the Troubled Asset Relief Program (TARP) have paid those loans back, freeing themselves from those requirements