Did you know those who are trying to buy a home are affected by Dodd-Frank?

Though Dodd-Frank does nothing to address the tremendous burden of the bailed out government giants Fannie Mae and Freddie Mac, the law still manages to have a profound impact on the American mortgage market. Contained within the bill are provisions which place new restrictions on mortgage lending, preventing vital sources of private capital from entering the market.

Richard Shafritz, who is an instructor with the Georgia Real Estate Commission, identified Dodd-Frank as one of the leading causes for poor growth in the housing market. "We are creating a mountain of regulation that is hurting our ability to exit the recession and is creating a very stagnant market."

Who is ultimately left paying for these new expenses? You, not Wall Street.