This is a terrible piece of legislation. I've contacted Congressman Hultgren's office (Illinois 14th) repeatedly about this Act but they keep trying to deflect the issues & won't respond to the specific concerns I raised regarding its impact on the average worker/homeowner. Consumer protections mean nothing to him. Hultgren has sold out to the banks. Much of his base, predominantly working class Republicans, will suffer as a consequence: and they suffered plenty already from the financial/mortgage crisis of 2007/08. He will, of course, vote yes in lockstep with the GOP despite his constituent's protests (or perhaps simply to spite them).