This bill has hurt more then it has help the general public get home loans. The things they have put in place to educate the public is more confusing then it was before. It has effectively put small business out of business and made the ig banks larger. The lending industry is more cumbersome then it has ever been. It take away much of the free market that we had in the mortgage industry. It has removed compassion and has not made things any better in the area of fraud for the mortgage industry has it has calmed to be doing. As all government regulation do they hurt the small business and consolidate into large entity. Destroying free economy.