I'm sure these laws were written by bankers in the lobbyist groups and handed over to the politicians in their pockets to put out there. I highly doubt any of these "lawmakers" decided to come up with this bill on their own.
Just another example of how big corporations "buy" influence and use it for self-serving purposes. Why spend all that money to research these things when they can have the taxpayers pay for it? Disgusting.
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That is a really good point. Bankers and lobbyists do have huge influence over politicians.