Big banks are a lot bigger but probably safer since the Dodd-Frank law implementation five years ago.
Consumers have more information about credit but less access to it as well.
Meanwhile, bond pros worry that restrictions on trading activities will create a liquidity problem that could make the financial crisis look like the warmup to something far bigger and more ominous.
In all, the anniversary of the landmark banking legislation brings as many questions as answers. Banks have higher levels of capital reserves but those too-big-to-fail Wall Street supermarkets have only surged in size over the years.