Proponents of repealing these types of legislation, specifically the Dodd-Frank Act, feel the regulations hurt small community banks and contributed to a consolidation of the major banks. They also feel the deregulation will incentivize smaller community banks to start giving loans again and thus stimulating the economy. On the other hand, Advocates of the Dodd-Frank Act and the Consumer Financial Protection Bureau (CFPB), arising out of Dodd-Frank, argue these regulations protect homeowners from mortgage malpractice and give homeowners more power to know what is happening to their mortgage as they try and save their home. Once thing is certain, homeowners are going to need something to help them deal with the ongoing housing crisis and the inevitable changes coming with the new administration.