An agency for change

It was a moment of reckoning that everyone had been waiting for. First, an announcement from Andrew Cuomo, the New York attorney general - who has been spearheading a year-long investigation into the US mortgage industry and who has been at the forefront of the movement for reform - that he had reached an agreement with the three major rating agencies: Standard & Poor's, Moody's Investors Service and Fitch Ratings.

Under the deal, the credit rating agencies have agreed to fundamentally alter how

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