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Impact Of The Dodd Frank Wall Street Reform And Consumer Protection On Bank Of America
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Book Synopsis Impact of the Dodd-Frank Wall Street Reform and Consumer Protection on Bank of America by : Nicole Tode
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.
Book Synopsis Dodd-frank Wall Street Reform And Consumer Protection Act: Purpose, Critique, Implementation Status And Policy Issues by : Douglas D Evanoff
Download or read book Dodd-frank Wall Street Reform And Consumer Protection Act: Purpose, Critique, Implementation Status And Policy Issues written by Douglas D Evanoff and published by World Scientific. This book was released on 2014-06-13 with total page 319 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this volume, what are thought to be some of the more important aspects of the Dodd-Frank Act are discussed from a number of perspectives, including that of industry scholars who have been actively involved in evaluating financial regulation, regulators who are responsible for implementing the reform, financial policy experts representing think tanks and banking trade associations, congressmen and congressional staff involved with developing the legislation, and legal scholars. The volume summarizes the act, evaluates how the new regulations are being implemented and how the implementation process is progressing, and discusses modifications that, in the views of the authors, might be needed to more effectively achieve the stated goals of the legislation.
Author :California. Legislature. Senate. Committee on Banking and Financial Institutions Publisher : ISBN 13 : Total Pages :244 pages Book Rating :4.3/5 (121 download)
Book Synopsis The Dodd-Frank Wall Street Reform and Consumer Protection Act by : California. Legislature. Senate. Committee on Banking and Financial Institutions
Download or read book The Dodd-Frank Wall Street Reform and Consumer Protection Act written by California. Legislature. Senate. Committee on Banking and Financial Institutions and published by . This book was released on 2011 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The New Financial Deal by : David Skeel
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.
Book Synopsis Dodd-Frank Wall Street Reform and Consumer Protection Act by :
Download or read book Dodd-Frank Wall Street Reform and Consumer Protection Act written by and published by Government Printing Office. This book was released on with total page 888 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Dodd-Frank Wall Street Reform and Consumer Protection Act by : Susan A. Berson
Download or read book The Dodd-Frank Wall Street Reform and Consumer Protection Act written by Susan A. Berson and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a practical guide to help attorneys in the financial services industry, and financial industry professionals on complexities of this far-reaching law. Divided into eight parts, each section represents a financial services sector where the book addresses the factual and regulatory background behind the pertinent Dodd-Frank provisions, the known changes in federal law caused by Dodd-Frank, and any upcoming deadlines for new regulations that will implement the statutes.
Book Synopsis The Impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act on Community Banks by : Julia Spring
Download or read book The Impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act on Community Banks written by Julia Spring and published by . This book was released on 2013 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Perspectives on Dodd-Frank and Finance by : Paul H. Schultz
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
Book Synopsis The Impact of Dodd-Frank on Community Banks by : Tanya D. Marsh
Download or read book The Impact of Dodd-Frank on Community Banks written by Tanya D. Marsh and published by . This book was released on 2013 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: The regulatory framework for financial institutions in the United States, including many provisions of The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank), impose significant costs on community banks without providing benefits to consumers or the economy that justify those costs. The stated purpose of Dodd-Frank was to prevent another financial crisis by enhancing consumer protection and ending the era of "too big to fail." However, the application of Dodd-Frank to community banks is misplaced. Community banks did not cause the financial crisis. The relationship-banking business model and market forces protect the customers of community banks without the need for additional regulation. Dodd-Frank builds on decades of "one size fits all" regulation of financial institutions, an ill-conceived regulatory framework that puts community banks at a competitive disadvantage to their larger, more complex competitors. The imposition of regulatory burdens on community banks without attendant benefits ultimately harms both consumers and the economy by: (1) forcing community banks to consolidate or go out of business, furthering the concentration of assets in a small number of mega-financial institutions; and (2) encouraging standardization of financial products, leaving millions of vulnerable borrowers without meaningful access to credit. Neither of these outcomes will protect consumers, the financial system, or the recovery of the American economy.
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)
Book Synopsis Regulating Wall Street by : New York University Stern School of Business
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.
Book Synopsis The Dodd-Frank Wall Street Reform and Consumer Protection Act by : Nathan L. Morris
Download or read book The Dodd-Frank Wall Street Reform and Consumer Protection Act written by Nathan L. Morris and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Beginning in 2007, U.S. financial conditions deteriorated, leading to the near collapse of the U.S. financial system in September 2008. Major banks, insurers, government-sponsored enterprises and investment banks either failed or required hundreds of billions in federal support to continue functioning. Congress responded to the crisis by enacting the most comprehensive financial reform legislation since the 1930s. The Dodd-Frank Act creates a new regulatory umbrella group with authority to designate certain financial firms as "systemically significant" and subjecting them to increased prudential regulation, including limits on leverage, heightened capital standards and restrictions on certain forms of risky trading. This book reviews issues related to financial regulation and provides brief descriptions of major provisions of the Dodd-Frank Act.
Book Synopsis The Dodd-frank Wall Street Reform and Consumer Protection Act by : Baird Webel
Download or read book The Dodd-frank Wall Street Reform and Consumer Protection Act written by Baird Webel and published by Createspace Independent Publishing Platform. This book was released on 2017-04-27 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Beginning in 2007, U.S. financial conditions deteriorated, leading to the near-collapse of the U.S. financial system in September 2008. Major commercial banks, insurers, government-sponsored enterprises, and investment banks either failed or required hundreds of billions in federal support to continue functioning. Households were hit hard by drops in the prices of real estate and financial assets, and by a sharp rise in unemployment. Congress responded to the crisis by enacting the most comprehensive financial reform legislation since the 1930s. Then-Treasury Secretary Timothy Geithner issued a reform plan in the summer of 2009 that served as a template for legislation in both the House and Senate. After significant congressional revisions, President Obama signed H.R. 4173, now titled the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), into law on July 21, 2010. Perhaps the major issue in the financial reform legislation was how to address the systemic fragility revealed by the crisis. The Dodd-Frank Act created a new regulatory umbrella group chaired by the Treasury Secretary, the Financial Stability Oversight Council (FSOC, with authority to designate certain financial firms as systemically important and subjecting them and all banks with more than $50 billion in assets to heightened prudential regulation. Financial firms were also subjected to a special resolution process (called "Orderly Liquidation Authority") similar to that used in the past to address failing depository institutions following a finding that their failure would pose systemic risk. The Dodd-Frank Act made other changes to the regulatory structure. It created the Office of Financial Research to support FSOC. The act consolidated consumer protection responsibilities in a new Bureau of Consumer Financial Protection (CFPB). It consolidated bank regulation by reassigning the Office of Thrift Supervision's (OTS's) responsibilities to the other banking regulators. A federal office was created to monitor insurance. The Federal Reserve's emergency authority was amended, and its activities were subjected to greater public disclosure and oversight by the Government Accountability Office (GAO). Other aspects of Dodd-Frank addressed particular sectors of the financial system or selected classes of market participants. Dodd-Frank required more derivatives to be cleared and traded through regulated exchanges, reporting for derivatives that remain in the over-the-counter market, and registration with appropriate regulators for certain derivatives dealers and large traders. Hedge funds were subject to new reporting and registration requirements. Credit rating agencies were subject to greater disclosure and legal liability provisions, and references to credit ratings were required to be removed from statute and regulation. Executive compensation and securitization reforms attempted to reduce incentives to take excessive risks. Securitizers were subject to risk retention requirements, popularly called "skin in the game." It made changes to bank regulation to make bank failures less likely in the future, including prohibitions on certain forms of risky trading (known as the "Volcker Rule"). It created new mortgage standards in response to practices that caused problems in the foreclosure crisis. This report reviews issues related to financial regulation and provides brief descriptions of major provisions of the Dodd-Frank Act, along with links to CRS products going in to greater depth on specific issues. It does not attempt to track the legislative debate in the 115th Congress.
Book Synopsis The Dodd-Frank Wall Street Reform and Consumer Protection Act by :
Download or read book The Dodd-Frank Wall Street Reform and Consumer Protection Act written by and published by . This book was released on 2010 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Dodd-Frank written by Hester Peirce and published by . This book was released on 2013-01-01 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: More than 360,000 words in length, the Dodd-Frank Wall Street Reform and Consumer Protection Act is the longest and most complex piece of financial legislation in American history. The nature and magnitude of its effects, both intended and unintended, will become clearer as regulators exercise the broad discretion given to them under the law. In this new book, the contributors ask whether the law is an effective response to the financial crisis that so deeply rattled our nation. Taking a hard look at the law's celebrated objectives, they reveal that it not only fails to achieve many of its stated goals, it also creates dangerous regulatory pathologies that could lay the groundwork for the next crisis.
Book Synopsis Essentials of the Dodd-Frank Act by : Sanjay Anand
Download or read book Essentials of the Dodd-Frank Act written by Sanjay Anand and published by John Wiley & Sons. This book was released on 2011-02-01 with total page 115 pages. Available in PDF, EPUB and Kindle. Book excerpt: An executive overview of the new Financial Regulations Act This book provides an executive summary of the newly passed Financial Regulations Act. It examines the most important sections of the Act, how it impacts the financial industry, as well as what executives must know and do in order to comply with the Act. One of the first books to provide an executive summary from a compliance perspective Presents responsibilities of senior level executives regarding this new Act Reveals what has changed within the regulatory environment Provides tips and techniques throughout Describing the government regulation of securities, securities markets, and securities transactions in the United States, this timely book succinctly defines, describes, and explains domestic securities regulation for compliance officers, accountants, and broker-dealers.
Book Synopsis The Federal Reserve System Purposes and Functions by : Board of Governors of the Federal Reserve System
Download or read book The Federal Reserve System Purposes and Functions written by Board of Governors of the Federal Reserve System and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
Book Synopsis The Dodd-Frank Act by : James R. Barth
Download or read book The Dodd-Frank Act written by James R. Barth and published by . This book was released on 2014 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) of 2010 provides for a wide variety of new regulatory and supervisory initiatives with the goal to promote a safer and sounder banking system. Our paper puts Dodd-Frank into a historical perspective, identifies its key features, discusses the implementation progress, and assesses whether the law will accomplish its objectives. We conclude that the approach in the law to financial regulatory reform is best described as a Band-Aid approach to financial regulation. A better approach in our view is one that strengthens market discipline on bank risk-taking and enhances competition so as to reduce the regulatory burden and enhance the efficiency and stability of the financial system. Dodd-Frank pays lip service to this objective with the creation of an Orderly Liquidation Authority and the Financial Stability Oversight Council, with the effectiveness of both these new bodies being very much in doubt.
