Four years after the landmark regulatory overhaul-- Dodd-Frank-- was passed, barely half of the 398 provisions have been implemented. While the overly complex bill is partially to blame, as Bush-era Federal Deposit Insurance Corporation head, Sheila Bair, asserts, the true culprit is the systematic, overwhelming resistance to reform posed by the financial industry. Over $1 billion was spent lobbying to defeat Dodd-Frank. Once it passed, a similarly concerted effort has hindered implementation. The financial sector is by far the largest source of campaign contributions to both national parties