From Bankstocks.com:

Sheila Bair is the media’s favorite financial regulator. In fact, she is a disgrace. She didn’t do consumers any good when she took a powder on Wal-Mart’s banking application, or offered her small-dollar-loan plan. And she’s certainly not doing them any good when she pushes for uneconomic loan mods, which will only delay the inevitable. Worse, she’s not doing the banking system any good, either.