Banks dreaded the Dodd-Frank act, and rightly so, imposing strict regulations to basically make these financial institutions shrink on their own. The latest bank earnings show that Dodd-Frank did just that, but it also caused these big banks to actually lend more and maintain the necessary capital to absorb loan losses. So although it's clear now that banks are not too big to fail, these institutions are proving they are resilient and can in fact provide value where the customer needs it.