Does financial reform ignore human nature?

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About five years after the worst of the financial crisis, governments have responded in a variety of ways hoping to keep history from repeating itself. Among the most dramatic responses by Congress was passage of the landmark Dodd-Frank Wall Street Reform and Consumer Protection Act.

In Bankrate’s podcast, “Special Report: The Unfinished Business of Financial Reform,” two of the nation’s top experts on securities law and financial crises sound alarms on key areas crying out for attention. Are financial crises inevitable? What kind of grades should we give top decision-makers for their work? And by responding with unprecedented moves aimed at giving the economy a boost, is the Federal Reserve setting the stage for another crisis down the road?

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