Heads they win, tails we lose! Wall Street gambled with our savings, collected billions, and then left taxpayers to pay the price when the economy went south. We need new rules to keep Wall Street in line.

To restore the economy and create jobs, banks must offer good, safe loans to consumers, homeowners and businesses. We need to end the foreclosure crisis and stop people losing their homes, and we need community reinvestment that directs responsible lending to our communities and businesses.

No more foxes guarding the chicken coop: banks should not be able to pick their own regulators. And too big to fail should be too big to exist. To prevent the next crisis, we need accountable, transparent and democratic regulators to prevent banks from getting too big or acting irresponsibly.

We need this agency to protect us from abusive financial products, just as we have clear rules to prevent the sale of poisonous food, drugs with deadly side effects, and toasters that are likely to explode.

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