13. Lenders required to have more 'skin in the game'
Many lenders sell the loans they make to other investors, meaning that if those loans go bad, there is little to no consequence for the banks where the loan originated from. Under the financial overhaul, banks will be required to hold on to at least 5 percent of the loans they make instead of selling them to investors, with the intention that banks will be less likely to make risky loans.
Related: Limiting banks' risky bets