Further, if you had a clue about the machinations of the Housing Bubble, and the entities in Congress most influential with regard to what was, and was not, done, then the names "Dodd - Frank" should send shivers up your spine. Dodd couldn't even seek reelection, he was so tarnished. And now Frank is retiring, with a shove from redistricting, and an eroding voter base of support. In any case, the "watchdog" is the creation of "Dodd-Frank". I would frankly have been more comfortable if it was penned by the Wicked Witch.