The Globe and Mail reports in its Monday edition four years after landmark legislation aimed at preventing another financial crisis was signed into law, U.S. regulators still have not implemented key parts. A Wall Street Journal item inside The Globe says these include standards for the mortgage-securities market and tougher regulations for credit-rating firms. Some regulators, notably the Securities and Exchange Commission, face more mandates under the Dodd-Frank law than any of the other agencies charged with writing rules. Only 44 per cent of the SEC's rules are final or nearly final. Top SEC officials say they are working to complete their rules, which cover everything from greater oversight of the hedge-fund industry to stronger protections for brokerage customers and a crackdown on conflicts of interest in state and local bond transactions. The SEC has grouped 95 Dodd-Frank mandates into eight categories and officials hope to soon have tighter restrictions on credit-rating firms and greater transparency for asset-backed securities. There is now a 1,400-person Consumer Financial Protection Bureau to police consumer abuses by financial firms, as well as the completion of the Volcker rule.