On the Fact that (According to Harvard's Kennedy School) the Share of U.S. Banking Assets Held by Community Banks Has Dropped Precipitously in the Months and Years Since the Passage and Signing of Dodd-Frank - https://www.communitybanking.org/documents/Session3_Paper1_Lux.pdf

Only an moron didn't see this one coming (the fact that these regulations disproportionately hampered small banks by making it harder for them to be flexible and by adding hugely to the cost of compliance). That and why would would anyone even consider putting Barney Frank and Chris Dodd in charge of financial reform (these two idiots being part of the reason why the whole thing went south in the first place)? I mean, does that make any sense?