If I remember, it was Congress who didn't listen to the Regulators and kept pushing for help on the matter (cut to all those who were on the Oversight Committees that no longer are still in office -- exiting stage left); however, Our so called elected officers drove to the edge of the abyss, looked down and said it wasn't that deep and continued to drive these institutions into the point of no return (cue the Phenix [aka Courts].
Yeah, yeah, yeah...been hearing the same lame excuse from this Admin...need reform -- really believe they want to reform...really?
Obviously, these Elected (chosen ones) can't, or won't do their jobs to secure what worked before Congress realized they could sit and collect a paycheck and pension without actually accomplishing anything other than mayhem. It appears that the to be the never-ending story....yeah, yeah, yeah...Hi, I'm (insert name here) and so, asking for your vote....