Michel Madelain (L) chief operating officer of Moody’s Investors Service, and Deven Sharma, president of Standard & Poor’s listen during a news conference in New York. Moody’s Investors Service, Standard & Poor’s and Fitch Ratings completed a deal with Cuomo to adopt a new fee structure designed to eliminate shopping by investment banks for ratings for residential mortgage-backed securities. (Photo by Ramin Talaie/Corbis via Getty Images)