DTC chill DD and why what is happening is happening H.R.4173 - Wall Street Reform and Consumer Protection Act http://www.opencongress.org/bill/111-h4173/show Wall Street Reform Act (this PDF I find is the Best answer) http://www.accenture.com/us-en/landing-pages/management-consulting/risk-management/Pages/dodd-frank-risk-management.aspx?c=con_usriskmpsgs_0511&n=g_Dodd_Frank/a_0_k/Dodd_Frank_&KW_ID=saWpVBWn7|pcrid|17467299230 http://www.accenture.com/us-en/landing-pages/management-consulting/risk-management/Documents/Accenture-US-Financial-Regulatory-Reform.pdf The Future is Here; a Tale of Two Companies http://wallstreetbranding.com/the-future-is-here-a-tale-of-two-companies/