REALLY!... "Ma, what are you cooking?" "Beer" "With Noodles?....Great Idea!" (Name the movie) The delivery of "Great Idea" was my actual first reaction to reading this story. Almost a "No $#!T Sherlock?" reaction. Top Bank Regulator Changes Tune, Now Calls For Independent Consumer Agency After months of criticizing the Obama administration's proposal to create a consumer-focused agency dedicated to protecting borrowers from abusive lenders, the nation's top big-bank regulator has reversed course.