What caused the financial crisis? Wall Street is to blame for the financial crisis / Charles Hurt and David Seifman ; Wall Street is not to blame for the financial crisis / Mark Gimein ; Government mortgage practices are largely responsible for the financial crisis / Charles W. Calomiris and Peter J. Wallison ; Government mortgage practices are unfairly blamed for the financial crisis / Richard F. Syron ; Deregulation is to blame for the financial crisis / Shah Gilani ; Deregulation is not to blame for the financial crisis / James L. Gattuso ; Many share the blame for the financial crisis / Mortimer B. Zuckerman -- Does Wall Street need financial reform? Wall Street needs reform / Carl C. Icahn ; Government fiscal policy needs reform before instituting Wall Street reform / Mona Charen ; Government should revamp the regulation system / Jesse Eisinger ; Government should oversee the shadow banking system / Stephen Spruiell and Kevin Williamson ; The government should regulate derivatives trading / Michael Greenberger ; Government should not overregulate derivatives trading / David M. Mason ; Government reform will hurt small lenders / Blaine Luetkemeyer ; Big banks have too much political power / Simon Johnson and James Kwak -- Will financial reform legislation be effective? The financial reform bill will make big business more responsible / Barack Obama ; The financial reform bill will lead to more bailouts / William P. Hoar ; The financial reform bill will create crony capitalism / Paul Ryan ; The financial reform bill needs to ensure that no bank is "too big to fail" / Thomas Hoenig ; Legislation already exists concerning "too big to fail" / David Zaring ; The financial reform bill should force high-risk derivatives trading out of banks / Blanche Lincoln ; The financial reform bill should not force high-risk derivatives trading out of banks / Sheila C. Bair ; The financial reform bill is so gutted that it will change nothing / John Berlau ; Even the gutted reform bill will provide meaningful change / Zach Carter.