Besides the bailouts what has been done to stop the risky practices that led to economic meltdown?

How did the "Bailouts" stop risky practices? Besides that point, I have heard absolutely nothing about reforming lending, betting, shorting, or any fraud committed by Wall St. or the Banks. Nobody will be held responsible. That will be Bush's legacy. Above the Law for the elite. Sickening. Bankrupt the United States, Hallelujah!