Some executives at community banks fear that the financial reform bill could create a dramatic increase in regulatory burdens and a decrease in profits, and introduce higher costs, which will be passed on to customers. These unintended consequences have many of them calling the Dodd-Frank Wall Street Reform and Consumer Protection Act an overreach. Alan S. Kaplinsky, a partner at Ballard Spahr who represents bankers nationwide, said his clients fear the scope of the to-be-created Consumer Financial Protection Bureau.