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"Still, for all their ambition, lawmakers left some gaping questions on how to tackle some of the most significant financial sector weaknesses exposed by the 2008 financial meltdown -- from mortgage giants Fannie Mae and Freddie Mac to unsettled disputes over banks and their derivatives business and requirements that they hold more capital. And in the rough and tumble give and take of writing laws, they rejected tougher measures that would have forced behemoth banks to downsize, required securitizers to retain some credit risk in their loans, and compelled home buyers to put a downpayment on their loans."
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