Did you know that those who do are affected by Dodd-Frank?

At a time when capital is hard to come by, Dodd-Frank imposes new burdens on financial institutions and reduces the availability of credit to small businesses and consumers.

"The Dodd-Frank Act will add an additional, enormous burden, has stimulated an environment of uncertainty, and has added new risks that will inevitably translate into fewer loans to small businesses," Thomas Boyce of State Bank of Countryside in Illinois says.

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