According to experts of WASHINGTON (CNNMoney.com) the Wall Street reform bill may be the most extreme. Instead of toughening up ethical and marketing standards for financial planners, Congress studies the issue in the financial overhaul bill. Instead of making it easier to sue lawyers, accountants and bankers who help commit securities fraud, Congress studies the issue.

The bill also studies, among other things: short selling, reverse mortgages, improved insurance regulation, private student loans, oversight of carbon markets and the “feasibility of requiring use of standardized algorithmic descriptions for financial derivatives.”

Financial sector lobbyists say the bill’s sweeping nature — even more than the health care bill, which mandated about 40 studies — leads to the studies.