"Much of the rhetoric in the bill worded to protect the US taxpayer and punish the big bad banker, will do much of neither. There is a general theme to the Act that bankers have engaged in predatory lending on poor people with bad mortgage terms that pressed those poor people into losing their home. Sensitive issue. One thing that does make sense in the Act is the ability of the Treasury to alter the terms of the mortgage to make it more affordable." (Quoted from article)