Changes

Without Senator Lincoln's efforts in addressing derivatives in the financial reform bill, there would be no other similar action. Congress has talked about getting tough with banks, but 18 months later, nothing has been done. <ref>Alan Guebert, [http://columbustelegram.com/news/opinion/columnists/article_82698cc0-7d3b-11df-b5c3-001cc4c03286.html "Arkansas Senator has Mettle to Change Derivatives,"], "Columbus Telegram," June 21, 2010.</ref> 97% of all swaps continue to be traded by five major banks. <ref>Id.</ref> "Lincoln's amendment doesn't end the trading. It does, however, force it onto a "transparent" market so everyone knows who's trading what and at what price. Also, it would give regulators an unrestricted view of it for the first time and force derivative-trading banks to do so through an arm's-length subsidiary so the Federal Deposit Insurance Corp. (and you and I) aren't left holding the banks' empty bags again." <ref>Id.</ref>

===H.R. 3590 Patient Protection and Affordable Care Act (health care reform)===