WASHINGTON - When Democrats used their majorities in the House and Senate last year to pass a financial overhaul largely along partisan lines, top Republicans were clear about what should happen next.

"It ought to be repealed," John Boehner, then the House minority leader, said in July 2010. "The financial reform bill is ill-conceived. I think it's going to make credit harder for the American people to get - clearly harder for businesses to get."

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