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What did the Dodd-Frank Act do? Monitors companies that are "too big to fail", prevent predatory mortgage lending, requires loans to be easier to understand. Monitors companies that are "too big to fail", separates commercial banks from investment banks, and requires credit card interest rates to be capped at a maximum. Monitors investment banks, separates commercial banks from investment banks, and requires loans to be easier to understand. Monitors commercial banks, separates insurance companies from investment banks, and requires loans to be easier to understand. Monitors all banks, separates commercial banks from investment banks, and requires loans to be easier to understand