Last year's repeal of the Public Utility Holding Company Act removed restrictions on who could run utilities.

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Whitney Holdings is a Louisiana bank holding company registered pursuant to the Bank Holding Company Act of 1956.

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Congress passed historic banking regulations during the New Deal, including the Glass-Steagall Banking Act of 1933, the Securities Act of 1933, and the Public Utility Holding Company Act of 1935, all of which vastly expanded the role of the federal government in overseeing and regulating Wall Street.

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Yet, although Glass-Steagall was scrapped last year, Merrill has not formed a bank-holding company, regulated by the Federal Reserve, which the replacement Gramm-Leach-Bliley act allows.

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The CFO of a fast-growing company told me they are holding off on hiring until the true costs of the Affordable Care Act are known.

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