The Dodd-Frank Act ... was intended to lessen, if not eliminate the risks of TBTF [Too Big To Fail]. However, Dodd-Frank is extremely complex and has yet to be fully implemented. ... That being said, community banks are at a decided dis-advantage. The cost of a mega-bank to comply with the new regulations is absorbable as a cost of doing business. For a small bank, it can be hugely expensive. A handful of banks able to wreak havoc to financial systems should not translate to increased burden for all.