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Hard to believe that the cure all legislation Dodd-Frank is now 5 years old. The damage that's been done by this law is incalculable. The Consumer Financial Protection Bureau is an agency run amok. It recently issued new rules replacing the venerable RESPA and HUD-1 Statement and is causing disruption in the mortgage market. But Danielle believes that better times are ahead as the banking system breaks down and lenders once again start knowing their borrower. Is the end of transactional banking ahead?