Wall Street reform would benefit everyday American families in several key ways: 1) It forces credit card and mortgage companies to be transparent and eliminate hidden fees; 2) It ensures families and small businesses get clear information to make good financial decisions; 3) It cracks down on predatory lenders looking to mislead people into debt; 4) It establishes an agency to strongly enforce consumer protections; and 5) It prevents another taxpayer bailout of banks that are "too big to fail".