Aside from all the really bad ideas in this:
Can we stop with the Cutesy NAMES for your stupid bills, Congress? I'd much prefer to go back the the naming conventions of:
Graham-Leach-Bliley Financial Services Modernization Act or Riagle-Neal Interstate Banking and Branching Efficiency Act
Those tell me who was involved, and what they at least intended to do. Stop with the stupid acronyms, already.