For years now both US political parties have been advocating modifications of the Dodd Frank Act, both large and small. Of particular note is the current Republican proposal to increase ten times (10X) the size of a "systemically important fianncial instution", which is the the test of whether a financial instution is "too big to fail." While both parties agree change is appropriate, the gross change advovated by Republicans would gut much of the protection afforded by Dodd Frank.