So, there is little argument that the financial system's collapse was caused to a great extent by the repeal of legislation enacted after the depression. There were other factors that likewise can't be denied, but the removal of the barrier between mortgage lending and investing, as well as the failure to regulate exotic loans clearly created a vicious cycle of 'loan so we can bundle and sell' which created artificially high real estate and investments based on these artificial values. Likewise, hard to argue that some regulation - or at least improvement of existing regulation - is warranted. Also, no one would argue that we need to PAY for as much as we DO as a country right now. So, congress sets out to do something fairly obvious, and something that had bipartisan support - institute regulations to prevent another collapse and regulate to some degree derivatives and other complicated, previously virtually unregulated devices. OK. What happens? The republicans - the party staking their tent in conservatism - doesn't want to make the banks PAY for the regulations. So then what happens? Looks like the bill will pass unfunded. WTF? Shame on the republicans for abandoning the simple notion that we should some how fund what we do. It's clear that they support the legislation - they do not claim not to want to pass it. They just don't want to pass it in such as way as to undermine their 'pro business, anti-taxes, supply side "conservative"' political image. Shame on the dems for being weak on this and accepting the compromise. Likewise, it's clear they value the legislation. But in an effort to pass something, and look like the party of reform, they blunder, and pass something unfunded during difficult times. What a shame.