Critics say the volume of new regulations mandated by the Dodd-Frank Act and the delays in implementing the new rules are hurting the economy and curtailing lending. The Treasury Department says the real uncertainty stems from those trying to repeal the law. "Current calls to repeal Wall Street reform are a significant cause of the uncertainty that responsible business leaders are seeking to avoid," a Treasury spokesman said. "Once it is fully implemented, Wall Street reform will improve market certainty, strengthen the financial system, help boost the economy, and provide better protections for taxpayers."

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