Regardless of political party or candidate, inadequate federal regulation is being blamed as one cause of today's financial crisis. Whether or not SEC Commissioner Cox should be fired, the next Congress will want to do something and will likely try making federal financial services regulation more consistent across the different types of financial institutions. Inconsistent state regulation was in the past often cited as the reason for optional federal regulation. But now the principal reason will be the investment of hundreds of billions of taxpayer dollars in an industry sector where the taxpayer will demand greater accountability and a pledge that it will not happen again.