When President Barack Obama signed the Wall Street Reform and Consumer Protection Act (Dodd-Frank) into law on July 21, 2010, he promised that “because of this law, the American people will never again be asked to foot the bill for Wall Street’s mistakes.” Three years on, the implementation of Dodd-Frank has turned out to be more costly, lengthy, and complex than most proponents anticipated. As of July 1, 2013, nearly 63 percent of the rulemaking deadlines under Dodd-Frank have been missed. To mark Dodd-Frank’s third anniversary, panelists will discuss whether Dodd-Frank really addressed the root causes of the 2008 financial crisis, the implementation progress to date, and the way forward.