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Author : Carl G. Pry
Publisher :
ISBN 13 : 9780769856537
Total Pages : 63 pages
Book Rating : 4.8/5 (565 download)
Download or read book Changes in Mortgage Regulation Under the Dodd-Frank Act written by Carl G. Pry and published by . This book was released on 2012 with total page 63 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : DIANE Publishing Company
Publisher : DIANE Publishing
ISBN 13 : 1437989004
Total Pages : 83 pages
Book Rating : 4.4/5 (379 download)
Download or read book Mortgage Reform: Potential Impacts of Provisions in the Dodd-Frank Act on Homebuyers and the Mortgage Market written by DIANE Publishing Company and published by DIANE Publishing. This book was released on 2011 with total page 83 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Act is intended to reform residential mortgage lending and securitization practices that contributed to the recent financial crisis. The Act provides some liability protection for lenders originating mortgages that meet nine specified criteria associated with a borrower¿s ability to repay (¿qualified mortgages¿). The act also requires securitizers of mortgages not meeting separate criteria associated with lower default risk to retain at least 5% of the credit risk. This report discusses the potential impact of the act¿s: (1) qualified mortgage criteria; (2) credit risk retention requirement; and (3) provisions concerning homeownership counseling and regulation of high-cost loans. Charts and tables. This is a print on demand report.
Author : New York University Stern School of Business
Publisher : John Wiley & Sons
ISBN 13 : 0470949864
Total Pages : 592 pages
Book Rating : 4.4/5 (79 download)
Download or read book Regulating Wall Street written by New York University Stern School of Business and published by John Wiley & Sons. This book was released on 2010-10-28 with total page 592 pages. Available in PDF, EPUB and Kindle. Book excerpt: Experts from NYU Stern School of Business analyze new financial regulations and what they mean for the economy The NYU Stern School of Business is one of the top business schools in the world thanks to the leading academics, researchers, and provocative thinkers who call it home. In Regulating Wall Street: The New Architecture of Global Finance, an impressive group of the Stern school’s top authorities on finance combine their expertise in capital markets, risk management, banking, and derivatives to assess the strengths and weaknesses of new regulations in response to the recent global financial crisis. Summarizes key issues that regulatory reform should address Evaluates the key components of regulatory reform Provides analysis of how the reforms will affect financial firms and markets, as well as the real economy The U.S. Congress is on track to complete the most significant changes in financial regulation since the 1930s. Regulating Wall Street: The New Architecture of Global Finance discusses the impact these news laws will have on the U.S. and global financial architecture.
Author : David Skeel
Publisher : John Wiley & Sons
ISBN 13 : 1118014928
Total Pages : 243 pages
Book Rating : 4.1/5 (18 download)
Download or read book The New Financial Deal written by David Skeel and published by John Wiley & Sons. This book was released on 2010-11-29 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: The good, the bad, and the scary of Washington's attempt to reform Wall Street The Dodd-Frank Wall Street Reform and Consumer Protection Act is Washington's response to America's call for a new regulatory framework for the twenty-first century. In The New Financial Deal, author David Skeel offers an in-depth look at the new financial reforms and questions whether they will bring more effective regulation of contemporary finance or simply cement the partnership between government and the largest banks. Details the goals of the legislation, and reveals that how they are handled could dangerously distort American finance, making it more politically charged, less vibrant, and further removed from basic rule of law principles Provides an inside account of the legislative process Outlines the key components of the new law To understand what American financial life is likely to look like in five, ten, or twenty years, and how regulators will respond to the next crisis, we need to understand Dodd-Frank. The New Financial Deal provides that understanding, breaking down both what Dodd-Frank says and what it all means.
Author : Nicole Tode
Publisher : GRIN Verlag
ISBN 13 : 3656293791
Total Pages : 10 pages
Book Rating : 4.6/5 (562 download)
Download or read book Impact of the Dodd-Frank Wall Street Reform and Consumer Protection on Bank of America written by Nicole Tode and published by GRIN Verlag. This book was released on 2012-10-19 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2010 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, San Diego State University, language: English, abstract: 1. Bank of America presentation and major activities, 2. Choice of four factors and explanation, 3. Possible impacts on Bank of America due to the regulatory changes, 4. References.
Author : Robert W. Drouin
Publisher :
ISBN 13 :
Total Pages : 92 pages
Book Rating : 4.:/5 (837 download)
Download or read book Dodd-Frank Regulation's Impact on Subprime Mortgage Origination written by Robert W. Drouin and published by . This book was released on 2013 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 was a legislative attempt to mitigate potential future financial losses as a, response to the financial crisis of 2008. This study focuses specifically on the impact of the creation of the Consumer Financial Protection Bureau and the Mortgage Reform and Anti-Predatory Act, which are found in Title X and Title XIV in the Act. Secondary data is used to analyze whether the Consumer Financial Protection Bureau mitigates unfair and deceptive lending practices. A review is also conducted as to how the Mortgage Reform and Anti-Predatory Act influences the financial industry. The implications of the Dodd-Frank Act for the current consumer are also discussed. The Dodd-Frank Act is massive in scope, and with significant developments still pending, future analysis will be critical to determine the impact on fraud mitigation. Keywords: Economic Crime Management, Dr. Bruce McBride, Dodd-Frank Act, subprime mortgages, Consumer Financial Protection Bureau, Mortgage Reform and Anti-Predatory Act
Author : Government Accountability Office
Publisher :
ISBN 13 : 9781974638611
Total Pages : 84 pages
Book Rating : 4.6/5 (386 download)
Download or read book Mortgage Reform written by Government Accountability Office and published by . This book was released on 2017-08-17 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Dodd-Frank Wall Street Reformand Consumer Protection Act (Dodd-Frank Act) is intended, among otherthings, to reform residential mortgagelending and securitization practicesthat contributed to the recent financialcrisis. The act provides some liabilityprotection for lenders originatingmortgages that meet nine specifiedcriteria, as applicable, associated witha borrower's ability to repay ("qualifiedmortgages"). The act also requiressecuritizers of mortgages not meetingseparate criteria associated with lowerdefault risk to retain at least 5 percentof the credit risk, though federalrulemaking agencies may vary thisamount. The act directed GAO toassess the effect of mortgage-relatedprovisions on the availability andaffordability of mortgage credit and toissue a report by July 2011, but federalagencies are still developingimplementing regulations. This reportdiscusses the potential impact of theact's (1) qualified mortgage criteria,(2) credit risk retention requirement,and (3) provisions concerninghomeownership counseling andregulation of high-cost loans.To do this work, GAO analyzed aproprietary database of residentialmortgages, reviewed relevant housingand mortgage market research, andinterviewed key mortgage industrystakeholders.GAO provided a draft of this report toeight agencies. In a letter, the NationalCredit Union Administration said, asnoted in the report, that the act's..."
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 356 pages
Book Rating : 4.:/5 (319 download)
Download or read book Examining how the Dodd-Frank Act Hampers Home Ownership written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2014 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Paul H. Schultz
Publisher : MIT Press
ISBN 13 : 0262325934
Total Pages : 261 pages
Book Rating : 4.2/5 (623 download)
Download or read book Perspectives on Dodd-Frank and Finance written by Paul H. Schultz and published by MIT Press. This book was released on 2014-10-10 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Experts debate the possible consequences of the Dodd–Frank Act, discussing such topics as banking regulation, derivatives, the Volcker rule, and mortgage reform. The Dodd–Frank Wall Street Reform and Consumer Protection Act, passed by Congress in 2010 largely in response to the financial crisis, created the Financial Stability Oversight Council and the Consumer Financial Protection Bureau; among other provisions, it limits proprietary trading by banks, changes the way swaps are traded, and curtails the use of credit ratings. The effects of Dodd–Frank remain a matter for speculation; more than half of the regulatory rulemaking called for in the bill has yet to be completed. In this book, experts on Dodd–Frank and financial regulation—academics, regulators, and practitioners—discuss the ways that the law is likely to succeed and the ways it is likely to come up short. Placing their discussion in the broader context of regulatory issues, the contributors consider banking reform; the regulation of derivatives; the Volcker Rule, and whether or not banks should be forced to stop proprietary trading; the establishment of the Consumer Financial Protection Bureau, and possible flaws in its conception; the law and “too-big-to-fail” institutions; mortgage reform, including qualification requirements and securitization; and new disclosure requirements regarding CEO compensation and conflict minerals. Contributors James R. Barth, Jeff Bloch, Mark A. Calabria, Charles W. Calomiris, Shane Corwin, Cem Demiroglu, John Dearie, Amy K. Edwards, Raymond P. H. Fishe, Priyank Gandhi, Thomas M. Hoenig, Christopher M. James, Anil K Kashyap, Robert McDonald, James Overdahl, Craig Pirrong, Matthew Richardson, Paul H. Schultz, David Skeel, Chester Spatt, Anjan Thakor, John Walsh, Lawrence J. White, Arthur Wilmarth, Todd J. Zywicki
Author : Mitchel H. Kider
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (85 download)
Download or read book Consumer Protection and Mortgage Regulation Under Dodd-Frank written by Mitchel H. Kider and published by . This book was released on 2011 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Nolan McCarty
Publisher : Princeton University Press
ISBN 13 : 1400846390
Total Pages : 369 pages
Book Rating : 4.4/5 (8 download)
Download or read book Political Bubbles written by Nolan McCarty and published by Princeton University Press. This book was released on 2013-05-21 with total page 369 pages. Available in PDF, EPUB and Kindle. Book excerpt: How governmental failure led to the 2008 financial crisis—and what needs to be done to avoid another similar event Behind every financial crisis lurks a "political bubble"—policy biases that foster market behaviors leading to financial instability. Rather than tilting against risky behavior, political bubbles—arising from a potent combination of beliefs, institutions, and interests—aid, abet, and amplify risk. Demonstrating how political bubbles helped create the real estate-generated financial bubble and the 2008 financial crisis, this book argues that similar government oversights in the aftermath of the crisis undermined Washington's response to the "popped" financial bubble, and shows how such patterns have occurred repeatedly throughout US history. The authors show that just as financial bubbles are an unfortunate mix of mistaken beliefs, market imperfections, and greed, political bubbles are the product of rigid ideologies, unresponsive and ineffective government institutions, and special interests. Financial market innovations—including adjustable-rate mortgages, mortgage-backed securities, and credit default swaps—become subject to legislated leniency and regulatory failure, increasing hazardous practices. The authors shed important light on the politics that blinds regulators to the economic weaknesses that create the conditions for economic bubbles and recommend simple, focused rules that should help avoid such crises in the future. The first full accounting of how politics produces financial ruptures, Political Bubbles offers timely lessons that all sectors would do well to heed.
Author : The Law The Law Library
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781721550517
Total Pages : 26 pages
Book Rating : 4.5/5 (55 download)
Download or read book Mortgage Acts and Practices-Advertising (Regulation N) - Mortgage Assistance Relief Services (Regulation O) (Us Consumer Financial Protection Bureau Regulation) (Cfpb) (2018 Edition) written by The Law The Law Library and published by Createspace Independent Publishing Platform. This book was released on 2018-06-17 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mortgage Acts and Practices-Advertising (Regulation N) - Mortgage Assistance Relief Services (Regulation O) (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) The Law Library presents the complete text of the Mortgage Acts and Practices-Advertising (Regulation N) - Mortgage Assistance Relief Services (Regulation O) (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition). Updated as of May 29, 2018 Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer Financial Protection (Bureau) as of July 21, 2011. The Bureau is in the process of republishing the regulations implementing those laws with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. In light of the transfer of the Federal Trade Commission's (FTC's) rulemaking authority for section 626 of the Omnibus Appropriations Act, 2009 (Omnibus Appropriations Act) to the Bureau, the Bureau is publishing for public comment an interim final rule establishing a new Regulation N (Mortgage Acts and Practices-Advertising Rule) and a new Regulation O (Mortgage Assistance Relief Services Rule). This interim final rule does not impose any new substantive obligations on persons subject to the existing Mortgages Acts and Practices-Advertising Rule or the existing Mortgage Assistance Relief Services Rule, previously published by the FTC. This book contains: - The complete text of the Mortgage Acts and Practices-Advertising (Regulation N) - Mortgage Assistance Relief Services (Regulation O) (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) - A table of contents with the page number of each section
Author : The Law The Law Library
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781721501953
Total Pages : 44 pages
Book Rating : 4.5/5 (19 download)
Download or read book Home Mortgage Disclosure (Regulation C) (Us Consumer Financial Protection Bureau Regulation) (Cfpb) (2018 Edition) written by The Law The Law Library and published by Createspace Independent Publishing Platform. This book was released on 2018-06-16 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: Home Mortgage Disclosure (Regulation C) (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) The Law Library presents the complete text of the Home Mortgage Disclosure (Regulation C) (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition). Updated as of May 29, 2018 Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rulemaking authority for a number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer Financial Protection (Bureau) as of July 21, 2011. The Bureau is in the process of republishing the regulations implementing those laws with technical and conforming changes to reflect the transfer of authority and certain other changes made by the Dodd-Frank Act. In light of the transfer to the Bureau of the Board of Governors of the Federal Reserve System's (Board's) rulemaking authority for the Home Mortgage Disclosure Act of 1975 (HMDA), as amended, the Bureau is publishing for public comment an interim final rule establishing a new Regulation C (Home Mortgage Disclosure). This interim final rule does not impose any new substantive obligations on persons subject to the existing Regulation C, previously published by the Board. This book contains: - The complete text of the Home Mortgage Disclosure (Regulation C) (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) - A table of contents with the page number of each section
Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance
Publisher :
ISBN 13 :
Total Pages : 826 pages
Book Rating : 4.F/5 ( download)
Download or read book Home mortgage disclosure act extension amendments written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1980 with total page 826 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781977954510
Total Pages : 82 pages
Book Rating : 4.9/5 (545 download)
Download or read book Mortgage Reforms written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-10-05 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: Amid concerns that risky mortgage products and poor underwriting standards contributed to the recent housing crisis, Congress included mortgage reform provisions (QM and QRM) in the Dodd-Frank Wall Street Reform and Consumer Protection Act. CFPB's regulations establishing standards for QM loans became effective in January 2014. More recently, six agencies jointly issued the final QRM rule that will become effective in December 2015. GAO was asked to review possible effects of these regulations. This report (1) discusses views on the expected effects of the QM and QRM regulations, and (2) examines the extent of agency planning for reviewing the regulations' effects, among its objectives. GAO's methodologies included identifying and reviewing academic, industry, and federal agency analyses on the expected effects of the regulations. GAO also reviewed federal guidance on retrospective reviews and interviewed agency officials to assess agency efforts to examine the effects of the QM and QRM regulations.
Author : The Law The Law Library
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781721509713
Total Pages : 734 pages
Book Rating : 4.5/5 (97 download)
Download or read book Integrated Mortgage Disclosures - Real Estate Settlement Procedures Act, Regulation X - Truth in Lending Act, Regulation Z (Us Consumer Financial Protection Bureau Regulation) (Cfpb) (2018 Edition) written by The Law The Law Library and published by Createspace Independent Publishing Platform. This book was released on 2018-06-16 with total page 734 pages. Available in PDF, EPUB and Kindle. Book excerpt: Integrated Mortgage Disclosures - Real Estate Settlement Procedures Act, Regulation X - Truth in Lending Act, Regulation Z (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) The Law Library presents the complete text of the Integrated Mortgage Disclosures - Real Estate Settlement Procedures Act, Regulation X - Truth in Lending Act, Regulation Z (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition). Updated as of May 29, 2018 Sections 1098 and 1100A of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) direct the Bureau to publish rules and forms that combine certain disclosures that consumers receive in connection with applying for and closing on a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Consistent with this requirement, the Bureau is amending Regulation X (Real Estate Settlement Procedures Act) and Regulation Z (Truth in Lending) to establish new disclosure requirements and forms in Regulation Z for most closed-end consumer credit transactions secured by real property. In addition to combining the existing disclosure requirements and implementing new requirements imposed by the Dodd-Frank Act, the final rule provides extensive guidance regarding compliance with those requirements. This book contains: - The complete text of the Integrated Mortgage Disclosures - Real Estate Settlement Procedures Act, Regulation X - Truth in Lending Act, Regulation Z (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) - A table of contents with the page number of each section
Author : The Law The Law Library
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781721552481
Total Pages : 226 pages
Book Rating : 4.5/5 (524 download)
Download or read book Mortgage Servicing Rules Under Truth in Lending ACT (Regulation Z) (Us Consumer Financial Protection Bureau Regulation) (Cfpb) (2018 Edition) written by The Law The Law Library and published by Createspace Independent Publishing Platform. This book was released on 2018-06-17 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mortgage Servicing Rules under Truth in Lending Act (Regulation Z) (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) The Law Library presents the complete text of the Mortgage Servicing Rules under Truth in Lending Act (Regulation Z) (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition). Updated as of May 29, 2018 The Bureau of Consumer Financial Protection is amending Regulation Z, which implements the Truth in Lending Act and the official interpretation to the regulation, which interprets the requirements of Regulation Z. This final rule implements provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act regarding mortgage loan servicing. Specifically, this final rule implements Dodd-Frank Act sections addressing initial rate adjustment notices for adjustable-rate mortgages, periodic statements for residential mortgage loans, prompt crediting of mortgage payments, and responses to requests for payoff amounts. This final rule also amends current rules governing the scope, timing, content, and format of disclosures to consumers regarding the interest rate adjustments of their variable-rate transactions. Concurrently with the issuance of this final rule, the Bureau is amending Regulation X, which contains companion rules implementing amendments to the Real Estate Settlement Procedures Act of 1974. This book contains: - The complete text of the Mortgage Servicing Rules under Truth in Lending Act (Regulation Z) (US Consumer Financial Protection Bureau Regulation) (CFPB) (2018 Edition) - A table of contents with the page number of each section
