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administrative agencies age of enlightenment American Enterprise Institute answer anti-competitive antitrust laws caveat emptor Civil Aeronautics Board commercial banks commission rate commission structure Congress consumer must beware costs courts deal debate decision disclosure discussion economic effects emphasize essential example exchange rules fact failure fair competition FDIC federal free competition going government regulation Haack harm individual investors issue Laughter least legislation liquidity LISAGOR Manuel F marketplace ment minimum commission Multiple Trading mutual fund shares Nader national policies nonmember broker NYSE PETER LISAGOR POLAK political problems promote protect the consumer public interest public regulation question Ralph Nader reason regu REGULATORY AGENCIES PROTECT regulatory bodies regulatory process resale price maintenance sale of mutual sales charges Securities and Exchange securities industry securities markets seller sion society suggested sumer sure thalidomide thing tion tive traditional defenses Upton Sinclair York Stock Exchange