The Dodd-Frank Act had a profound impact on compliance within financial institutions. Describe one or two key provisions of the Act and discuss how they reshaped or increased compliance challenges and responsibilities for financial institutions.

多德-弗兰克法案（Dodd-Frank Act）对金融机构的合规部门产生了深远影响。请你详细阐述该法案中的一到两个关键条款，并分析它们是如何重塑或增加了金融机构的合规挑战与职责的。