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Wall Street Reform, new credit card restrictions round off the month of July After waiting weeks for the Senate to give him the nod, President Obama finally signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law this past month. The New York Daily News called it the toughest set of financial regulations passed since the Great Depression. Refinancing perks are disappearing as mortgage companies push loan insurance While the perks of refinancing can be enticing, a report in USA Today says that new terms and conditions may make homeowners rethink taking advantage of the opportunity.