The Dodd-Frank Act gave the Federal Deposit Insurance Corp.'s Office of Complex Financial Institutions the power to dismantle the nation's largest banks. However, doubts remain about the regulator's ability to use the power and whether it would end the era of too-big-to-fail financial institutions. "A segment of the market won't believe it until the authority is used," said CFI Director James Wigand. "I hope we never have to use it, but we've been given the power. So once it's used, the market will believe."