>> early this morning, the house and senate reached an agreement on house reforms, that represent 90% of what i proposed when i took up this fight. will put in place the toughest consumer financial protections in our history while creating an independent agency to enforce them. >> bret: well, the president talking about financial regulation overhaul that was approved by the conference committee in the wee hours, actually after 20 hours of straight work, 5:40 in the morning they came to a conclusion with all the details passing it. it's on the way to the president's desk and the president speak...