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The Man Who Invented 'Too Big to Fail' Banks Finally Recants. Will Obama or Romney Follow?

Posted: 07/25/2012 3:55 pm

I'm in Alaska, amid moose and bear, trying to steal some time away from the absurdities of American politics and economics. But even at this remote distance I caught wind of Sanford Weill's proposal this morning on CNBC that big banks be broken up in order to shield taxpayers from the consequences of their losses. Forget the bear and moose for a moment. This is big game.

If any single person is responsible for Wall Street banks becoming too big to fail it's Sandy Weill. In 1998 he created the financial powerhouse Citigroup by combining Traveler's Insurance and Citibank. To cash in on the combination, Weill then successfully lobbied the Clinton administration to repeal the Glass-Steagall Act -- the Depression-era law that separated commercial from investment banking. And he hired my former colleague Bob Rubin, then Clinton's Secretary of the Treasury, to oversee his new empire.

Weill created the business model that Wall Street uses to this day -- unleashing traders to make big, risky bets with other peoples' money that deliver gigantic bonuses when they turn out well and cost taxpayers dearly when they don't. And Weill made a fortune -- as did all the other executives and traders. JPMorgan and Bank of America soon followed Weill's example with their own mega-deals, and their bonus pools exploded as well.

Citigroup was bailed out in 2008, as was much of the rest of the Street, but that didn't alter the business model in any fundamental way. The Street neutered the Dodd-Frank act that was supposed to stop the gambling. JPMorgan, headed by one of Weill's protégés, Jamie Dimon, just lost $5.8 billion on some risky bets. Dimon continues to claim that giant banks like his can be managed so as to avoid any risk to taxpayers.

Sandy Weill has finally seen the light. It's a bit late in the day, but, hey, he's already cashed in. You and I and millions of others in the United States and elsewhere around the world are still paying the price.

What's the betting that one of the presidential candidates will take up Weill's proposal?

ROBERT B. REICH, Chancellor's Professor of Public Policy at the University of California at Berkeley, was Secretary of Labor in the Clinton administration. Time Magazine named him one of the ten most effective cabinet secretaries of the last century. He has written thirteen books, including the best sellers "Aftershock" and "The Work of Nations." His latest is an e-book, "Beyond Outrage." He is also a founding editor of the American Prospect magazine and chairman of Common Cause.

This post originally appeared at RobertReich.org.

 

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I'm in Alaska, amid moose and bear, trying to steal some time away from the absurdities of American politics and economics. But even at this remote distance I caught wind of Sanford Weill's proposal t...
I'm in Alaska, amid moose and bear, trying to steal some time away from the absurdities of American politics and economics. But even at this remote distance I caught wind of Sanford Weill's proposal t...
 
 
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fried52
"Just the Facts Ma'am Just the Facts"
12:51 AM on 08/02/2012
If they won't listen to Volcker they won't listen to Weill. The financial services industry is the richest most powerful industry in the global economy. This wealth and power will not be given up willingly. It needs to be taken away, and those who feed at the trough, including respectfully President Clinton, will be much interested in biting the hands that feed them.
09:08 PM on 07/27/2012
Thank you President Clinton for this and NAFTA.
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TheRoosterman
Crazy Texan
12:48 AM on 07/29/2012
It was a tough situation and Mr. Clinton made a pragmatic choice.

The Republicans were very serious about shutting everything but the Defense Department down. At that time, very few people other than the banksters, knew what repealing Glass-Steagall would do. Mr. Clinton would have fought a battle in which no one supported him and would have lost badly. If Mr. Clinton at the time predicted the events that we know now resulted from the Glass-Steagall repeal, the main stream media would have ridiculed him as a crazed alarmist.

PS: (I borrowed this post from another but it says what I wanted to say)

It's the republican tactic of "hostage" taking that has created many of our problems we face today.
11:08 AM on 07/29/2012
Agreed about the republican hostage taking but I'm not sure about Clinton's reasoning. Glass-Steagall was originally passed for a clear reason back then, and the same reason applied when Clinton had it repealed.
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kamact
Market Observer
09:52 PM on 07/26/2012
Throw Weill in jail, and seize his assets...
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MacTheCat
Those Clouds You See Aren't really clouds at all
08:29 PM on 07/26/2012
Weill is angling for a cabinet appointment after Geithner leaves.
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Molly D
09:00 PM on 08/08/2012
Under which candidate?
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MacTheCat
Those Clouds You See Aren't really clouds at all
10:49 PM on 08/08/2012
Obama--Weill's been a dem forever.
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Unum
In progress
05:40 PM on 07/26/2012
Maybe it's time we STOP listening to Big Businessmen. Haven't we learned our lessons from supposed savvy individuals who think they know best...I'm willing to bet on the one that does grab hold of this Big Businessman's proposal with his Mitt.
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Rubyfoo
05:00 PM on 07/26/2012
Reich is right, but I'm still pleasantly surprised and encouraged by what Weill said.
04:57 PM on 07/26/2012
This is the biggest change of heart since Robert McNamara admitted the mistakes of Vietnam. I take Weill's change of heart at face value, and sincerely hope that he will rally his former associates to his new position. It's senseless to play the blame game on this issue. Anyone with a 401k was thrilled to see the market soar, but if the dangers of deregulation seemed a worthwhile risk in the 90's, it is now obvious why investment banks and commercial banks need to be kept separate.
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BigBearcatBill
This is the real Bearcat - a Binturong
04:57 PM on 07/26/2012
As the small business owner that cuts my lawn with his two-person (him and his younger brother) company said a couple years ago - Where is my bailout? If gov had given say half that bailout money directly to we the people and not the rich above us, it would have created that demand on products that would have revived the economy right Paul Krugman and other economists?
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Molly D
09:03 PM on 08/08/2012
Democracy is temporary. It lasts only until the electorate finds out it can vote largesse to itself from the public treasury. See my rantings on another blog about paying an odd trillion to everybody underwater on their mortgages.
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AlexNYC
Pumps dont work cause the vandals took the handles
04:11 PM on 07/26/2012
What's the betting that one of the presidential candidates will take up Weill's proposal?

Nobody's taking that bet, not even Obama. He placed Bob Rubin disciples Larry Summers and Tim Geithner to the nation's key economic positions. Their MO was doing as little as humanly possible to make it appear as though they were trying to enforce regulation, while all the time trying to continue the status quo and keep the banks as too big to fail.
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Allene Stucki
03:32 PM on 07/26/2012
Liberals invariably blame "deregulation" for the sub-prime mortgage crisis and the recession, citing "Glass-Steagall" as proof, because they simply do not understand how the world of 'high finance' actually operates. Deregulation actually played no meaningful role whatsoever in the sub-prime mortgage crisis, and the the much-maligned "derivatives NEVER WERE regulated, and still aren't!!!
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calm truth
02:41 PM on 07/26/2012
Why is MSM not pressing the candidates on this most important of issues? Instead we are fed the "you didn't build it" hysteria or "when did he quit Bain" debate. Breaking up the banks and ending this failed crony capitalist business model is a pre-requisite to our economy regaining its health. This should be the main topic of debate for the candidates until November. Not suprisingly, neither candidate wants to discuss it because they are both in the banksters' back pocket!
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02:51 PM on 07/26/2012
No reforms are going to happen until the tsunami of money leaves the political landscape.
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Molly D
09:12 PM on 08/08/2012
There are going to be debates in a while. The questions will be crafted to cover questions like this. They will be designed so that canned prepared answers about non-issues won't cover them.
02:25 PM on 07/26/2012
Robert - I thought I hadn't seen your wonderful work in a while!

Anyhow, two points: (1) I'm certain Mr. Weill has some ulterior motive for saying what he said. Just watch. (2) I don't think it's right to blame Mr. Clinton for the Glass-Steagall repeal. Phil Gramm and the Republican congressional majority threatened to hold the budget hostage if Mr. Clinton did not go along with the repeal.
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SteveM39
That's how dad did it, that's how America does it
02:32 PM on 07/26/2012
Dealing with hostage takers simply sets you up for more down the road. Clinton had the ball. He dropped it. He should be leading the fight to reinstate Glass-Steagall.
08:53 PM on 07/26/2012
It was a tough situation and Mr. Clinton made a pragmatic choice.

The Republicans were very serious about shutting everything but the Defense Department down. At that time, very few people other than the banksters knew what repealing Glass-Steagall would do. Mr. Clinton would have fought a battle in which no one supported him and would have lost badly. If Mr. Clinton at the time predicted the events that we know now resulted from the Glass-Steagall repeal, the main stream media would have ridiculed him as a crazed alarmist.
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calm truth
02:25 PM on 07/26/2012
Well we know Romney will not endorse this most credible proposal to break up the bankster casinos, as this business model continues to benefit his closest supporters handsomely and he can be trusted to back his Country Club friends. It should be obvious to all where his loyalties lie. More disappointing, however, is President Obama's continued support for this extremely damaging Wall Street bank business model. The architect of government enabled casino banking, Sandy Weill, has now admitted the failure of this model (after collecting hundreds of millions in bonuses). The financial and social damage to the middle class citizens of this Nation's has been unprecedented in scope. Our "change you can believe in" President is still supportive of this failed model? Geithner is still Treasury Secretary? How pathetically embarassing for the President and all of us who supported him.
02:11 PM on 07/26/2012
No neither will do anything. They BOTH have taken MILLIONS form the big banks, they have been paid for, they won't do a thing.

besides, it's CONGRESS that has the power over banks, not the president...
botazefa
Sounds like Bodhisattva
01:30 PM on 07/26/2012
"What's the betting that one of the presidential candidates will take up Weill's proposal?"

I think the odds against it approach 100%.
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AlexNYC
Pumps dont work cause the vandals took the handles
04:12 PM on 07/26/2012
...or more.
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Molly D
09:18 PM on 08/08/2012
Party platforms are being hammered together as we type. You might be surprised. We know we'll have new secretaries of the Treasury and State, and a new AG at a minimum. Might as well come up with some high sounding plans while talk is cheap, like at the convention.