The bill changes the definition of "financial institution" to include private mortgage brokers and other non-bank lenders will enhance our ability to prosecute criminals under the bank fraud statute who commit fraud involving loans from those companies.
The fourth is a study by researchers at the Scripps Institutionof Oceanography, in California, into changes in the way the world's oceans have warmed up at different depths over the past 65 years.
Third, while the current focus of reform is on the police, changes are already under way in another notoriously racially exclusive British institution, the armed forces.