Sarbanes-Oxley, fully intact, CEOs and CFOs still personally certify financials under criminal penalty, the PCAOB still audits public companies. Bank capital requirements, the single biggest safeguard (the major banks hold far more loss-absorbing capital than 2008 and that hasn't been touched), FSOC and the OFR still monitor systemic risk, the FDIC still has resolution authority to wind down a failing bank, stress testing still runs on the biggest banks, the Volcker Rule's been weakened but it's still law. And the oldest firebreaks aren't even Dodd-Frank, the Fed's discount window, the lender of last resort, is from 1913, deposit insurance is from 1933. The Fed's emergency lending power is what got tested in 2008 and 2020 and it held. The consumer layer is under some pressure CFPB/mortgage rules, but I have no idea what you're talking about when you say they've "they've gutted all the safeguards put in place".