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Tag: Dodd-Frank

Banks Again Avoid Having Any Skin in the Game

Once upon a time, those who made loans would profit only if the loan were paid back. If the borrower defaulted, the lender would...

Regulation AB II: Second Time’s the Charm?

On August 27, 2014, following years of preparation, speculation and comment, the Securities and Exchange Commission (SEC) adopted Regulation AB II (Reg AB II)....

Does the Federal Dodd-Frank Act Really Make Sense for Seller Financing?

If nothing else, the Dodd-Frank Act certainly complicated issues around seller financing. The overall intention was to protect consumers from getting into loans that...

Regulators Hope To Finalize Mortgage Rule By Year-End

After more than three years of work, regulators say are finally wrapping up a key piece of the 2010 Dodd-Frank financial law aimed at...

Proposed Rules Published on Dodd-Frank Changes to Mortgage Disclosure Regulations

On August 29, 2014, the Bureau of Consumer Financial Protection (the “Bureau”) issued a proposed rule and request for public comment on changes to...

Dodd-Frank: Can We Really Calculate The Cost?

American Banker recently called for a data-driven analysis of the economic impacts of the Dodd-Frank Act and related regulations. We welcome the call for...

Happy Birthday Dodd-Frank: The Whistleblower Program Milestones and How They’ve Impacted...

Did you have some cake? Break out the balloons? While it’s hard to believe, it is true. Our little Dodd-Frank, signed into law by...

Feds Look to Water Down Mortgage Reform

Three years after it was proposed, one of the major post-crisis mortgage regulations is on track to be finalized — but on terms much...

The High-Stakes Fight Over How to Measure CEO Pay

The 848-page Dodd-Frank Wall Street Reform and Consumer Protection Act dedicates 149 words to framing a new disclosure about “pay versus performance” at public...

One-Third of Bankers to Only Lend Within QM

The latest version of the Dodd-Frank mortgage regulations has bankers worried about lending, and their fear has already affected who can qualify for mortgage...