Health care reform is the talk of the town recently. This bill has been controversial, sure for it affects all citizen of this nation. But can we take a break? If you don't know there is another issue that we could talk about. The current agencies of financial regulation, though they aren't explicitly allowed to exist according to the Constitution and might actually be Unconstitutional (The Fed is!) aren't working as well as Senator Chris Dodd would like. That's why he introduced a bill to redefine what the FDIC and Federal Reserve do – and place most of their powers in a new agency, that isn't the Consumer Financial Protection Agency, that's under Congressional scrutiny. FDIC Chair Sheila Bair doesn't like it (she wouldn't – major fascist) but neither does Barney Frank, who's put forth similar, but far more conservative legislation. More people than just Chris Dodd want debt relief out of the Feds' hands and back into the hands of the people.