The short version of the Dodd Frank finacial fiasco is it's all about moving money from outlying (red) small local banks to large (blue) city banks.
For those still too dense to "get it", the fine print on why this matters is when loans and mortgages are paid off in the outlying areas, most of that money is sucked into the big city to be spent on big city interests -- like supporting Obamacrats.
Sure, there's lots of other parts to Dodd Frank regulations, but basically, it all boils down to centralizing money and power for the politically connected Obamacrats. Oh, you didn't know that most big bankers now support Obamacrats? Go figure how the Media never mentions this fact -- your ignorance is the Obamacrats bliss.