Reform isn't easy. Beyond making tough decisions, it also apparently involves an awful lot of research. The 3,321 pages of financial regulation bills being melded together by Congress' conference committee contain an incredible number of studies to be completed: 74.
All 74 are listed at the end of the piece, for your perusal. To be fair, there is some overlap, but not much. Approximately four of the studies are nearly identical. The other 70 all investigate different aspects of finance, economics, lending, etc. So it's conceivable that those 70 could all end up in the final bill that Congress passes and the president signs.
That's a lot of studying. If you add up all the time allotted for these studies to take place, and did them back to back instead of simultaneously, then you'd be doing studies for almost 79 years. And of course, they'll also cost untold millions of dollars to undertake, but that money is not set aside in the bill, as it will show up as a part of the budgets of the various agencies Congress orders to complete the studies.
Who are those various agencies? At least 14 are named. The Government Accountability Office (GAO) has the lion's share of the work, however. It's responsible for 32 of the 74. The Securities and Exchange Commission (SEC) comes in second with 18. Next, the soon-to-be-established Systemic Risk Council has six to complete. The 18 remaining are spread around the other agencies, with several requiring multiple-party participation.