Have you noticed that free checking accounts are now nearly non-existent, and locally owned stores are increasing the $5 minimum charge on debit cards?

These are not the result of some financial conspiracy. They are a direct result of Dodd-Frank regulations.

After the financial crash of 2008, President Barack Obama decided to increase the role of the federal government in the economy and impose massive new regulations on banks. As one might assume, this hasn’t worked out so well.

Included in the over 3,500- page Dodd-Frank bill are rules restricting access to credit for investors and homebuyers, raising lending costs for entrepreneurs, and making it harder for small businesses to get capital to start or grow their business.

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