I find banks are a lot more interested in the investment parts of their portfolios than they are in their lending parts. As a small business owner, we live and die through credit. Credit is becoming harder and harder to come by. Separating banking from investing operations will force banks to lend again. That is good for the American economy. Dodd-Frank is a nightmare that should be repealed. Certainly separating banking from investing negates the need for Dodd Frank. If the only way a bank makes money is through their loans, they're going to make sure they lend to people and businesses who can repay them with interest. You don't need Dodd-Frank to force them to do that.