“A lot of people who complain about this couldn’t organize a two-car funeral,” former Sen. Chris Dodd, D-Conn., remarked recently to the Wall Street Journal.

Dodd was disparaging the critics, right and left, of the law for which he is now most famous — the sweeping financial reform bill that celebrates its fifth anniversary today. But those hurt most by Dodd-Frank, which passed in the wake of the 2008 financial crisis, are the community banks whose demise it has dramatically hastened.