agency. and they re judging the w worthiness that s right, they were giving these junk loans. the other is fannie mae and freddie mac who were providing 100 maer 100% taxpayer guarantees on these bills. there is nothing in this bill that says that. let s go through the bill. what are the biggest wins here for, first, consumers? consumers are quite a bit better off, i suspect. the reason for that is over time consumer finance has been a classic race to the bottom business when it comes to practices. as someone who wants to compete with sort of honest and transparent practices, competing against people with shady and non-transparent practices, there is no way to win, and as a result everyone keeps perpetu e perpetuating a carnival of bad acts. what about for financial firms? it s a bit of a mixed bag.