"Placing a lien or levy without protecting the rights of a business owner is a job killer and dries up access to credit overnight, " he said.

FORBES: Dealing With The IRS

The government deserved credit for the strength of the economy, investment in public services and introducing new rights at work, said the TUC general secretary in his message.

BBC: NEWS | Business | Unions to 'step up' pension fight

Expect Congress to move more quickly on the consumer side of financial reform, including passing a credit card owner's "bill of rights" and allowing bankruptcy judges to alter mortgage terms.

FORBES: Election 2008

The Consumer Financial Protection Bureau has said they will review the act and see what can be done to protect the rights of non-working spouses but many stay-at-home parents will continue to face a struggle of obtaining credit without the use of household income for the foreseeable future.

FORBES: Stay at Home Moms Face Credit Card Challenges