THEY PASSED IT despite this warning! Make no mistake, S. 2155 is the second part of a massive corporate giveaway. The bill deregulates 25 of the largest 38 banks in the US and undermines some key protections for homeowners and homebuyers, while offering crumbs for consumers. 4 It is hard to believe that the Senate would vote to undo critical postcrisis protections.5 THIS bill makes the U.S. financial system—and key regional economies—more vulnerable to another financial crisis, potentially putting taxpayers back on the hook to bail out the same banks once again. The failure of several of these banks during a period of significant stress in the financial sector could threaten financial stability and starve the economy of the credit and financial intermediation it needs to thrive. This bill is a solution in search of a problem'