William Isaac, former chairman of the Federal Deposit Insurance Corporation, Global Head of Financial Institutions at FTI Consulting, and author of “Senseless Panic: How Washington Failed America,” says the Dodd- Frank Wall Street Reform and Consumer Protection Act is the worst piece of banking legislation ever written because it does not get at the heart of the problems in the banking system and has imposed costs on banks which have curbed lending and slowed growth. He says there are too many regulators and this is where a truly effective overhaul of the banking system should start. Isaac speaks with Bloomberg’s Kathleen Hays and Vonnie Quinn on Bloomberg Radio’s “The Hays Advantage.”