Gretchen Morgenson writes that clearinghouses, such as Chicago Mercantile Exchange and IntercontinentalExchange, got a bonus from the Dodd-Frank Act -- they are allowed to tap taxpayer money if they get into trouble. Morgenson pulls from a book by former Federal Deposit Insurance Corp. chief Sheila Bair, who wrote that the clearinghouses "were drooling at the prospect of having access to loans from the Fed. I thought it was a terrible precedent and still do. It was the first time in the history of the Fed that any entity besides an insured bank could borrow from the discount window."