about as close to where the economic rubber meets the regulatory road as the public can achieve, aside from being a wall street insider is a Mr. Paul Volcker, and the Volcker/Lincoln redux of Glass / Steagal
http://www.nytimes.com/2010/07/11/business/11volcker.html?pagewanted=1&_r=2
http://www.nytimes.com/2010/07/11/business/11volcker.html?pagewanted=1&_r=2