WASHINGTON – JULY 21: AFP OUT U.S. President Barack Obama (C) signs the the financial reform bill into law during a ceremony with (L-R) Robin Fox, Andrew Giordano, Vice President Joe Biden, Senate Majority Leader Harry Reid (D-NV), Rep. Maxine Waters (D-CA), Senate Banking Committee Chairman Christopher Dodd (D-CT), House Financial Services Committee Chairman Barney Frank (D-MA) and House Majority Leader Steny Hoyer (D-MD) at the Ronald Reagan Building and International Trade Center July 21, 2010 in Washington, DC. A sweeping expansion of federal financial regulation in the wake of the worst recession since the Great Depression, the bill will create a consumer protection agency, lay out a blueprint for disassembling financial entities considered “too big to fail,” and many other reforms. (Photo by Chip Somodevilla/Getty Images)