That would be New York Times columnist Paul Krugman.  From today’s paper:

So it’s up to the Democrats — and more specifically, since the House has passed its bill, it’s up to “centrist” Democrats in the Senate. Are they willing to learn something from the disaster that has overtaken the U.S. economy, and get behind financial reform?

Reform is one of those words that sounds good, but nearly every bad policy was a reform at some time or another.