Just how complex are the US Banking regulations? Turns out, very few people know about it. It is downright, confusing and complex. Whether or not it is deliberate by design (is a separate question all together), however, even the SEC Commissioner Daniel M. Gallagher cited that it is complex (Statement on the Aggregate Impact of Financial Services Regulations). So much so, his team put out a diagram which shows the complexity of it all, and they are still not sure it covers everything.