Has not much changed?

This WSJ article talks about the lack of realized reform nearly a year after the collapse of Lehman and the rescues of numerous financial institutions.

While realized reform is not present, the mindset of firms, regulators, and of consumers has changed the landscape of financials. The scrutiny that these corporations are now put under when it comes to executive bonuses and debt holdings has increased exorbitantly and there aren't any signs of that changing.