Motley Fool Income Investor advisor James Early thinks the just-passed financial reform bill won't end the problem of "too big to fail."

Originally, the bill included a provision that would force banks to spin off or separate their swaps-derivatives trading desks. But lobbyists successfully inserted a rule that will exempt more than 80% of swaps from that regulation. With a collective market share of more than 90% in a swaps market measured in the hundreds of trillions by notional value, JPMorgan Chase (NYSE: JPM), Citigroup (NYSE: C), Goldman Sachs (NYSE: GS), Morgan Stanley (NYSE: MS), and Bank of America (NYSE: BAC) remain too big to fail.

Watch the video below to see what James has to say.

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