Kind of. I wouldn't say it had a direct impact, but it had an indirect impact in some ways, like because it created the Consumer Financial Protection Bureau (CFPB), which was then established as another regulatory body for banks. So now we have to deal with examiners frmo there as well as, say, the OCC.

Things do change a lot, though, you're right about that. Mostly it is more in the form of additional regulation as opposed to sweeping regulatory changes. For instance there's a new amendment or rule for Reg E that is being kicked around now which deals with remittance transfers, think basically money transfers but on an international scope. The addition hasn't been finalized but I still have to be aware of it and ready to start rolling it into our testing process (my actual job consists of testing transactions in order to ensure we're completing them in compliance with the regulations that regulate those transactions; like Audit, I look over files and ensure they were completed accurately, but unlike Audit, I only look at them from a regulatory perspective).