It has been over three years since the Dodd-Frank Wall Street Reform and Consumer Protection Act became effective, and a number of issues have arisen. Although there are pro and con arguments, one thing is clear: The law was a major ambitious undertaking pushed through Congress by the majority party and the jury is still out. The purpose of this article is to examine several of these issues.
Regulations
As of July 15, only 158 of the 398 regulations required by Dodd-Frank have been finalized, although a large number are in various stages of the process. Most of them require the joint approval of a number of federal regulators, including the Federal Reserve Board (Fed), Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), Securities & Exchange Commission, Commodities Futures Trading Commission (CFTC) and others.
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