Whoever is determining credit worthiness needs to have skin in the game. This is what Dodd-Frank did. It required security bankers retain 5% of the overall risk

Whoever is determining credit worthiness needs to have skin in the game. This is what Dodd-Frank did. It required security bankers retain 5% of the overall risk of the security. Known as the Volcker Rule, it is now being rolled back: https://www.washingtonpost.com/business/economy/trump-signs-law-rolling-back-post-financial-crisis-banking-rules/2018/05/24/077e3aa8-5f6c-11e8-a4a4-c070ef53f315_story.html https://www.washingtonpost.com/business/economy/trump-signs-...