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Robert Reich

Robert Reich

Posted: October 22, 2009 12:39 PM

Why Wall Street Reform is Stuck in Reverse

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At a conference in London, a Goldman Sachs international adviser, Brian Griffiths, praised inequality. As his company was putting aside $16.7 billion for compensation and benefits in the first nine months of 2009, up 46 percent from a year earlier, Griffiths told us not to worry. "We have to tolerate the inequality as a way to achieve greater prosperity and opportunity for all," he said.

Eight months ago it looked as if Wall Street was in store for strong financial regulation -- oversight of derivative trading, pay linked to long-term performance, much higher capital requirements, an end to conflicts of interest (i.e. credit rating agencies being paid by the very companies whose securities they're rating), and even resurrection of the Glass-Steagall Act separating commercial from investment banking.

Today, Congress is struggling to produce the tiniest shards of regulation that would at least give the appearance of doing something to rein in the Street.

What happened in the intervening months? Two things. First, America's attention wandered. We're now focusing on health care, Letterman's frolics, and little boys who hide in attics rather than balloons. And, hey, the Dow is up again. The politicians who put off Wall Street regulation for ten months knew that the public would probably lose interest by now.

Second, the banks keep paying off Congress. The big guns on Wall Street increased their political donations last month after increasing their lobbying muscle. Morgan Stanley's Political Action Committee donated $110,000 in September, for example, of which Democrats got $43,000.

Official Wall Street PAC donations are piddling compared to the tens of millions of dollars that Wall Street executives dole out to candidates on their own (or with a gentle nudge from their firms). Remember -- the Street is where the money is. Executives and traders on the Street have become the single biggest sources of money for Democrats as well as Republicans. And with mid-term elections looming next year, you can bet every member of Congress has a glint in his or her eye directed at the Street.

That's why the President went to Wall Street to raise money Tuesday night, gleaning about $2 million for the effort. He politely asked the crowd to cooperate with reform -- "If there are members of the financial industry in the audience today, I would ask that you join us in passing necessary reforms" -- but those were hardly fighting words. It's hard to fight people you're trying to squeeze money out of.

Which is the essential problem.

Ken Feinberg, the President's "pay czar" came down hard on executive pay yesterday, for those banks still collecting money under TARP, as well he should. But Feinberg isn't trying to pass new financial reform legislation, and TARP no longer covers several of the biggest banks with the highest pay and bonuses -- although they're still getting subsidized by the government with low-interest loans.

Wall Street and the Treasury want us to believe that the TARP money will be repaid to taxpayers, but Neil Barofsky, the special inspector general keeping watch over TARP, said yesterday that just 17 percent of the TARP money has been repaid, and "[i]t's extremely unlikely that taxpayers will see a full return on their investment." Later he told a reporter that it's unlikely "we'll get a lot of our money back at all."

Brian Griffiths, the Goldman international adviser who told us inequality is good for us, doesn't know what he's talking about. America is lurching toward inequality once again, led by the financial industry. The Street is back to where it was in 2007, but most of the rest of us are poorer than we were then -- largely due to the meltdown that occurred because Wall Street overreached. The oddity is that we bailed out the Street, including Griffiths and his colleagues, but apparently won't even be repaid.

And now that Griffiths et al, knows his firm and the other big ones on the Street are too big to fail, he and his colleagues will make even bigger gambles in the future with our money.

Cross-posted from Robert Reich's Blog

 
 
 
 
 
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HUFFPOST SUPER USER
Hysterian68
bureaucrat/historian/ranter
04:39 PM on 11/11/2009
You have to hand it the Banking Committee in the Senate and the best political theater in Washington, "The Barney Frank Show". Like the ringmasters of old, Barney--obviously the smartest one on his own committee and certainly the most entertaining--calls the shots, cracks the whip, and gets his fellow Democrats, mostly the members from the black caucus, to jump through firey hoops, and bounce up and down licking Barney's boots.

The American people have been treated to Kibuki Theater, where the brave Samurai warrior comes out with his gleaming sword to sing songs of "bank reform" and "curtailing the power of Wall Street". Only to end up having the dragons from Broad and Wall with their tigers, their lobbyists, pouncing on the reforming warrior.

Or maybe Barney is the Wizard of Oz and his Democratic colleagues are dutiful and obedient munchkins. Forever chanting "Follow the Yellow Brick Road to Barney's House" as long as we don't have to run into any witches on Wall Street.
09:42 PM on 10/27/2009
The simple reason why Congress will not adequately pass financial regulatory reform is that the Dogs (Congress) will not bite the hands (Wall St.) that feed them. So far all I have seen and heard is simple rhetoric which professional politicians are masters at. Maybe Congress can pass one or two significant reforms that have meaning and substance. What really is irritating is that companies such as Goldman Sachs and JPMorgan are borrowing money from the Fed. Govt. (taxpayers) at almost 0% interest and buying Treasury bonds that are yielding say 3.5%. Not a bad margin spread for no risk. The so called banks are making their money on trading and not lending. It is a difficult time for small business to borrow but maybe if funds were avaialable to small business at the same low interest rates from the government that they are to the big banks , small business would be encouraged to borrow and expand. Might that help the current unemployment situation. The big banks are only providing services to themselves and their counterparts, not the general public. It seems tragic that the Obama administration is not more focused on this important issue. So far Obama is very good at rhetoric and very poor at implementing via his Democratic Congress meaningful change that will benefit the public and not a few bankers.
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HUFFPOST SUPER USER
Hysterian68
bureaucrat/historian/ranter
04:29 PM on 11/11/2009
Then the public better "bite" the hands of those who feed Wall Street, or you'll be thrown to the lions as we all were before this depression hit. Paunchy Barney and the hard running Chris Dodd haven't felt the real heat yet, but God help them when they do.

It's jail time for bankers or it is street duty for an irate public.
HUFFPOST SUPER USER
thelonegunman
10:12 AM on 10/26/2009
the reason there has been no wall street 'reform' does not require all these paragraphs but can be summed up thusly:

Obama's financial team is led by two guys who helped create the financial mess - Geithner and Summers... once he announced those two were on his 'team' it was clear to wall street that the status quo would rein and their would be no change in operations or regulations...

obama's no liberal democrat... just like clinton was no liberal democrat - they're both members of the political elite single corporatist party that runs this country today... and has for the past fifty-plus years...
11:48 AM on 12/07/2009
Winner!
03:29 PM on 10/25/2009
Alone the audacity of saying what Griffiths said, proves they have no fear of anything. We do not even have to worry. Arrogance does not make you popular. But management school teaches to keep your employees unsure and stuff slogans down their throats. Inequality in society has always created an energy for achievement, but not what Griffiths said. History tells us the opposite. Bauernkriege, French Revolution, 1830/48 Revolution, Leipzig, Berlin 1989 Revolution, etc. Eventually inequality will produce change in its most extreme. Like climate change nature will get rid of dead weight, that would be us. Some will survive. I do not think focus has shifted to far. It is about injustice and the lie of trickle down. Health care may seem as a distraction. It hits the ones that lost their jobs and health insurance at the same time and hear the incredible insult coming from Griffiths and his fellow hate for the sweat of the hard working and suffering.
03:22 PM on 10/25/2009
Current political parties with their lobby and banker bosses will never reform.
Nothing will happen until there is rioting in the streets.
As hundreds of banks are shut down, as businesses continue to lay off workers or shut down for good, as jobs continue to move overseas, it won't take long now.
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humanbeing-rick
Born in the USA 1947
11:11 AM on 10/25/2009
I propose that we pass a law to strip the riches away from the tycoons, Wall Street Barons, CEO's, banking and fiancial executives, and put it all back into the public coffers. Disposses them of their mansions and yachts, real estate, and all off shore accounts. We need to correct the imbalance they have created, and only they can correct it since they stole all the money.
We can then pay of our debts and have a balanced budget. We can then invest in jobs and industry to re-create the American middle class again.
02:46 PM on 10/25/2009
I'll sign on to that.
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HUFFPOST SUPER USER
Hysterian68
bureaucrat/historian/ranter
04:45 PM on 11/11/2009
Great idea!! Now we need a "Defense of the Republic Act" declaring banks and bankers toxic assets worthy of prison time and their assets revert to a new US National Bank. A 300% increase in the Luxury Tax is also long overdue.
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humanbeing-rick
Born in the USA 1947
11:05 AM on 10/25/2009
Remember: Griffiths told us not to worry. "We have to tolerate the inequality as a way to achieve greater prosperity and opportunity for all," he said.
I assume that we now have Griffith's approval to create inequality in order to achieve greater prosperity.
So I propose that we pass a law to regulate the pay of all bankers and hedge fund managers restricting them to the minimum wage. This will give the rest of the economy much greater prosperity.
This will also balance the financial advantage they have enjoyed for the last 2-3 decades.

I wonder how noble Griffith and his pals would be under that inequality?
I wonder if his statement is only conditional on the current loopholes and evasions they enjoy now?
02:49 PM on 10/25/2009
Nope. What we need is to go back to pre-Reagan taxing attitudes. Tax income from all sources over $55,000 - I'd go lower but that's a mark - at 95%.

They can make as much as they want. We the people will simply reclaim 95% of it
02:50 PM on 10/25/2009
That should have been $500,000...
08:30 AM on 10/25/2009
Corrupt government maybe?? Politicians taking billions in bribes maybe??
04:16 PM on 10/24/2009
Want to the know the TRUTH, watch :

http://www.pbs.org/wgbh/pages/frontline/warning/view/
01:07 PM on 10/24/2009
changes
remains trhe same

time may change

me...
11:16 AM on 10/24/2009
Oh their a crafty bunch of greedy wonders alright. Actually it all started in 1913 with the Federal Reserve Act. This isn't the first time the filthy rich have drubbed the country. Back to the future. That take over our our economy, and the Great Ronald Regan with his trickle down nonesense and deregulation of everything including safeguards on the banking industry are the primary reasons we are where we are at. And where we are at is a place that is just fine with Goldman Sachs, AIG, and the Republican Wild West Capitalism gang who are reaping obscene profits from what some say are premeditated perhaps even structured wild market fluctuations starting with the Great Depression and continuing on in some form at regular intervals ever since.

All of which have resulted in the banks making untold fortunes and wild profits off of everyone else's demise. The thing they are brilliant at is stealing a profit off of everyone's misery. They know the craft well. Yes, to them inequality or the caste system of the filthy rich feeding off the captive hosts of Casino style Capitalism is their very way of life. Gives a whole new meaning to "Mr. Griffiths, tear down that wall."
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HowdyDoody
Freud Woman
11:07 AM on 10/24/2009
I'm beginning to be amazed at the people in our country. Where did they come from? Yesterday I heard that the $8,000 rebate for first time homebuyers was being snapped up by many people who already own homes. In some cases, no property even changed hands. They think that a lot of people who resent paying taxes have used this as a way to be "paid back" from the government.

Wall Street executives took us down the path of economic disaster and now reward themselves because they simply can't conceive of anyone else doing such a terrific job gambling with other people's money. They're addicted to their own egos and the gambling habit.

Our Congress would rather see another meltdown than lose the next election. Where is the shame???
01:34 PM on 10/23/2009
Yes most everyone feels they deserve more,
and with a clear conscience do take all they can take.

But if that were the root cause of evįl, then out of self-preservation
we would demand honest laws, have an open and transparent
government and the public would have all eyes on government.

Truth is, the root cause of all evil is pride, the illusion that no one
more intelligent can fool you, by a pretense of good hide their intent
to enrich themselves upon the misery of you.
01:13 PM on 10/23/2009
50th AMENDMENT

Abolish our capitalist dictatorship and replace it with democratic equality.

U.S. Constitution, 50th Amendment

(1) Delete: “All men are created equal”

(2) Add: “All men are not created equal, therefore the highest priority
of government shall be to protect those less intelligent from the
supremely intelligent rich.”
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HUFFPOST SUPER USER
VANDERGRAAFK
Teacher
12:08 PM on 10/23/2009
Today's op ed by Ron Chernow puts Robert's comments into perspective. When was the time to press the bankers hard? When their backs were against the wall. Unfortunately, Paulsen and Bernanke chose not to play tough with the Wall Street Gang. In part, this probably had to do with the fact that Paulsen, once head of Goldman, was loathe to crack down on his colleagues. Letting Bear Stearns and Lehman go under was one thing. Imposing severe restraints on Wall Street? Unimaginable!

What Chernow points out is that as the financial collapse unfolded, it too was "limited" initially to Wall Street. Chase, J.P. Morgan et al tried to "rescue" the collapse without government intervention. They failed. Despite periodic rises and temporary "recoveries" in share prices, the damage spread to the real economy. Only with the election of FDR and the findings of the Pecora hearings was regulation introduced, much of which was undone with the gutting of Glass/Steagall that reached its apex during the Clinton Administration.

Yes, we can blame Wall Street money. But, we have to scrutinize the New Democrats - the Clintonites who still populate the Obama administration. To what extent are they unwilling to cut their ties to Wall Street?
This user has chosen to opt out of the Badges program
02:37 PM on 10/24/2009
Clinton's got nothing to lose by publicly admitting the same thing your post says. He's quick to say DADT was a mistake -- why remain quiet now other than to protect ego.
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HUFFPOST SUPER USER
VANDERGRAAFK
Teacher
10:58 PM on 10/24/2009
Perhaps. Though I don't like to make too much of guilt by association, his daughter after all is a hedge fund trader. How she got the job, what she does is all part of this melding between the governing class and the Wall Street crowd.