Nothing will happen as if the government actually starts demanding accuracy and transparency in banking (along with adherance to the laws) the big banks will collapse and what have the last 5 years been if nothing but an exercise in converting our savings and sweat into hard equity for the banks. Of course as we lose money/power and the government wraps more chain around us in the form of debt and regulation we become enslaved and smothered by growing federal agencies… How many people here know that TSA/Homeland Security now wants control of the highway system (It’s in the Federal Register , Nov. 30th 2012) … YOUR PAPERS PLEASE! WHAT IS THE PURPOSE OF THIS JOURNEY? We will have a few bones thrown our way but it’ll be in the form of tools that only actively fighting homeowners can use as tools in court … nothing that helps homeowners in general.