WASHINGTON — Getting different regulators to agree on joint rules has become the biggest obstacle to completing the Dodd-Frank Act, and three years after the law's passage agency officials are more inclined to admit the process is wearing on them.

On the law's third anniversary, many key provisions requiring interagency rulemaking — from banning proprietary trading to rules for securitized mortgages to derivatives restrictions — are still unfinished. The joint rule-writing process has been fraught with agency disputes and the drudgery of brokering agreements, inevitably slowing progress.

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