I thought this was a great move by President Obama. But, the CEO's are the problem and I don't see them working for anyone but themselves. The CEO's will end up coming down on the average Wall Street or bank employee to produce more in the end and back to bad decisions being made. When people are pushed by fear of job loss or being motivated by bonuses or commissions we will be back to putting consumers into investments, loans, mortgages and credit cards just to save their job or make bonuses. These CEO's will remove themselves and turn a blind eye until the regulators start to probe and then fire these employees that were only doing what they were told to do by their supervisors. Watch the movie Fun with Dick and Jane from 2005 not the best film but, pretty much how these Wall Streeters and Bank CEO's run their companies. The government is going to have to put some real pressure on these CEO's to start using ethical business practices. Don't let these banks take you in ask questions about every fee, loan dcouments, credit card disclosures, retirement accounts and investment. Ask the banker if they receive commission or a bonus. Don't let them off so easy and if you know a non commissioned finacial advisor, accountant or an attorney have them review your documents before signing. Educate yourself on how the banks and Wall Street operate. Be an informed consumer and don't put your home at risk, your retirement or your childs education dollars at risk. Read as much as you can and ask questions.