The Dodd$-$Frank Act

$($a$)$ Increased transparency in financial institutions and markets.

$($b$)$ Decimated the community banks, increasing concentration in the banking industry, which makes the financial system less secure$.$

$($c$)$ Set up the Consumer Financial Protection Bureau, making it more difficult for the poor to get credit.

$($d$)$ Created the Financial Stability Oversight Council, weakening the ability of the Fed to act decisively to stop financial crises.

$($e$)$ All the above