President Obama speaks before he signs the Dodd-Frank Wall Street Reform and Consumer Protection Act at the Ronald Reagan Building and International Trade Center in Washington on Wednesday, July 21, 2010. At left is Vice President Joseph R. Biden Jr. (AP Photo/Charles Dharapak)

Photo by: Charles Dharapak

President Obama speaks before he signs the Dodd-Frank Wall Street Reform and Consumer Protection Act at the Ronald Reagan Building and International Trade Center in Washington on Wednesday, July 21, 2010. At left is Vice President Joseph R. Biden Jr. (AP Photo/Charles Dharapak)