H.R. 4173

"An Act to provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes."

Here is a list of the studies in the financial reform bill passed in the Senate. This will fix everything.

Sec. 413. GAO study and report on accredited investors.
Sec. 414. GAO study on self-regulatory organization for private funds.
Sec. 415. Commission study and report on short selling.
Sec. 526. GAO study of nonadmitted insurance market.
Sec. 603. Moratorium and study on treatment of credit card banks, industrial
loan companies, and certain other companies under the Bank
Holding Company Act of 1956.
Sec. 750. Study on oversight of carbon markets.
Sec. 913. Study and rulemaking regarding obligations of brokers, dealers, and investment
advisers.
Sec. 916. Study regarding financial literacy among investors.
Sec. 917. Study regarding mutual fund advertising.
Sec. 919. Study on conflicts of interest.
Sec. 919A. Study on improved investor access to information on investment advisers
and broker-dealers.
Sec. 919B. Study on financial planners and the use of financial designations.
Sec. 939A. Securities and Exchange Commission study on strengthening credit
rating agency independence.
Sec. 939B. Government Accountability Office study on alternative business models.
Sec. 939C. Government Accountability Office study on the creation of an independent
professional analyst organization.
Sec. 939D. Initial credit rating assignments.
Sec. 976. Government Accountability Office study of increased disclosure to investors.
Sec. 977. Government Accountability Office study on the municipal securities
markets.
Sec. 978. Study of funding for Government Accounting Standards Board.
Sec. 989. Government Accountability Office study on proprietary trading.
Sec. 1072. GAO study on the effectiveness and impact of various appraisal methods.
Sec. 1078. Department of the Treasury study on ending the conservatorship of
Fannie Mae, Freddie Mac, and reforming the housing finance
system.