After the last recession, the abomination known as Dodd-Frank "fixed" things by requiring massively more paperwork than before. It just made the whole home buy

After the last recession, the abomination known as Dodd-Frank "fixed" things by requiring massively more paperwork than before. It just made the whole home buying process more expensive and less accountable. For example, even though you pay the appraiser, you are not allowed to pick the appraiser or fire them. We had a complete incompetent come out to do an appraisal (lost 3 times trying to find the place - delaying settlement) (unable to determine basic things about the property, delaying settlement) ... and there was nothing anyone could do.