H.R.4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act

To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes. view all titles (55)

All Bill Titles

  • Official: To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes. as introduced.
  • Short: Accountability and Transparency in Rating Agencies Act of 2009 as introduced.
  • Short: Consumer Financial Protection Agency Act of 2009 as introduced.
  • Short: Corporate and Financial Institution Compensation Fairness Act of 2009 as introduced.
  • Short: Credit Risk Retention Act of 2009 as introduced.
  • Short: Dissolution Authority for Large, Interconnected Financial Companies Act of 2009 as introduced.
  • Short: Federal Insurance Office Act of 2009 as introduced.
  • Short: Financial Stability Improvement Act of 2009 as introduced.
  • Short: Investor Protection Act of 2009 as introduced.
  • Short: Over-the-Counter Derivatives Markets Act of 2009 as introduced.
  • Short: Private Fund Investment Advisers Registration Act of 2009 as introduced.
  • Short: Wall Street Reform and Consumer Protection Act of 2009 as introduced.
  • Short: Derivative Markets Transparency and Accountability Act of 2009 as passed house.
  • Short: Mortgage Reform and Anti-Predatory Lending Act as passed house.
  • Short: Nonadmitted and Reinsurance Reform Act of 2009 as passed house.
  • Official: A bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. as amended by senate.
  • Short: Wall Street Reform and Consumer Protection Act of 2009 as passed house.
  • Short: Accountability and Transparency in Rating Agencies Act of 2009 as passed house.
  • Short: Consumer Financial Protection Agency Act of 2009 as passed house.
  • Short: Corporate and Financial Institution Compensation Fairness Act of 2009 as passed house.
  • Short: Credit Risk Retention Act of 2009 as passed house.
  • Short: Dissolution Authority for Large, Interconnected Financial Companies Act of 2009 as passed house.
  • Short: Expand and Preserve Home Ownership Through Counseling Act as passed house.
  • Short: Federal Insurance Office Act of 2009 as passed house.
  • Short: Financial Stability Improvement Act of 2009 as passed house.
  • Short: Investor Protection Act of 2009 as passed house.
  • Short: Private Fund Investment Advisers Registration Act of 2009 as passed house.
  • Short: Restoring American Financial Stability Act of 2010 as passed senate.
  • Short: Bank and Savings Association Holding Company and Depository Institution Regulatory Improvements Act of 2010 as passed senate.
  • Short: Consumer Financial Protection Act of 2010 as passed senate.
  • Short: Enhancing Financial Institution Safety and Soundness Act of 2010 as passed senate.
  • Short: Financial Stability Act of 2010 as passed senate.
  • Short: Improving Access to Mainstream Financial Institutions Act of 2010 as passed senate.
  • Short: Nonadmitted and Reinsurance Reform Act of 2010 as passed senate.
  • Short: Office of National Insurance Act of 2010 as passed senate.
  • Short: Pay It Back Act as passed senate.
  • Short: Payment, Clearing, and Settlement Supervision Act of 2010 as passed senate.
  • Short: Private Fund Investment Advisers Registration Act of 2010 as passed senate.
  • Short: Wall Street Transparency and Accountability Act of 2010 as passed senate.
  • Popular: Dodd-Frank Wall Street Reform and Consumer Protection Act as introduced.
  • Short: Dodd-Frank Wall Street Reform and Consumer Protection Act as enacted.
  • Short: Bank and Savings Association Holding Company and Depository Institution Regulatory Improvements Act of 2010 as enacted.
  • Short: Consumer Financial Protection Act of 2010 as enacted.
  • Short: Enhancing Financial Institution Safety and Soundness Act of 2010 as enacted.
  • Short: Expand and Preserve Home Ownership Through Counseling Act as enacted.
  • Short: Federal Insurance Office Act of 2010 as enacted.
  • Short: Financial Stability Act of 2010 as enacted.
  • Short: Improving Access to Mainstream Financial Institutions Act of 2010 as enacted.
  • Short: Investor Protection and Securities Reform Act of 2010 as enacted.
  • Short: Mortgage Reform and Anti-Predatory Lending Act as enacted.
  • Short: Nonadmitted and Reinsurance Reform Act of 2010 as enacted.
  • Short: Pay It Back Act as enacted.
  • Short: Payment, Clearing, and Settlement Supervision Act of 2010 as enacted.
  • Short: Private Fund Investment Advisers Registration Act of 2010 as enacted.
  • Short: Wall Street Transparency and Accountability Act of 2010 as enacted.

Comments Feed

Displaying 31-60 of 83 total comments.

  • Comm_reply
    dnj 12/22/2009 4:48pm
    Link Reply
    + -1

    You are correct rodknee87, lack of regulation is at the heart of it. Specifically lending restrictions.

    Congress bought votes by making it possible for anyone with a pulse to get a home loan.

    Fannie and Freddie were forced to make loans they knew would never get repayed.

    The derivatives you spoke of were created to hedge the risk of the bad investments congress forced them to make.

    The straw that broke the camels back was Bush and Greenspans free money. Non-bank lending institutions swooped in and started making loans as fast as they could. After that the market had no choice but to write the loans; it was keep up or go out of business. And they had an endless line of people willing to lie on mortgage applications, and buy houses they damn well knew they couldn’t afford.

    This whole mess started with government manipulation of the market.

  • Comm_reply
    TBSchemer 02/23/2010 2:56pm
    Link Reply
    + -3

    The Community Reinvestment Act created the market for subprime loans. The lowering of Federal Reserve rates by Bernanke fueled it.

    Government regulation got us into this mess.

  • RetiredPublicSafetydotCom 12/09/2009 7:50pm

    How many like agencies (consumer protection) already exist at the state level? Will the creation of yet another federal agency really do anything other than up our tax bill and further damage our free market system?

    Our Congress is out of control.

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  • Comm_reply
    MissKiff 12/11/2009 11:44am

    NO WAY! This gives the President the power to use OUR tax money to bail ANYONE out he sees fit, WITHOUT Congressional Approval! This is 15% of our National Economy! There are other ways to help those in foreclosure without giving the Federal Gov more power. http://www.breitbart.tv/bachmann-on-the-b-cast-a-conservative-call-to-action/

  • Comm_reply
    jonesj34 05/19/2010 4:45pm

    Please don’t let fear drive your support of letting the government take care of problems they created. Thats what they want American to experience. If your fearful because people are losing their houses then research and even look at the comments being made. Allowing the government to have more power puts you at greater risk. And if you trust them then you have been in the dark the past 20 years. Only the people can bring the country back to where it needs to be, period.

  • Mario_Kenny 12/11/2009 1:46am

    Or, yeah right here we do again the wolves are in the hen house again supporting the Bansters, as usual, same pile different hill. by the time you goons fix the mess all the banks including the foreign banksters would have terminited the planned plunder, the Judges will not rule on merits of law and the home owner who is the real cash cow would not have a place to live at, or to secure their children’s future

  • smitty805 12/11/2009 4:09am

    We need Less Government! Not More!

  • robhar 12/11/2009 5:20am

    IMHO the house is a lost cause until there is a better balance of power. I am now focused on the Senate where there is still a prayer of a chance of being heard. Madam speaker leads her group of loyal sheep and they care little for what makes sense and/or the voters want them to do. They are all marching in lock step to grow government with partisan behind closed door meetings and their rush to pass huge bills full of pork mentality. In the 2010 elections we voters need to do a better job of vetting the candidates than we have done in the past. The internet (e.g. this blog) makes following the actions and staying in touch with those who supposedly represent our needs and desires very easy. It is simply a matter of being willing to take the time. I get the sense there are more of us watching, listening, and expressing our feelings than ever before in history. Spread the word to all your friends to do the same!

  • annelisejd 12/11/2009 7:26am

    This is another takeover bill. The name sounds good, but it is not representative of the content of this bill. I have started reading this monster (seems like that is all they produce in Congress these days-1200+ page bills that destroy). This bill fascilitates the efficient consolidation of financial institutions. When it is all said and done, we might have 50 banks (at best) left in the country to choose from. I am at page 205 and have found little in this bill to protect anyone except large financial institutions. The protection, is against competition.

  • Comm_reply

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  • NoGoodOnesLeft 12/11/2009 10:08am

    I will be surprised if this bill passes before 12/31 anyway. All bills introduced now will be null and void then since the 112th session starts on 1/1/10. They haven’t agreed on bills for all areas of government spending and have been getting by on temporary ones. I believe the latest ones end on 12/18/09. So they need to do federal appropriation bills and that damn healthcare bill and there is their however long they decide to take Christmas break and they move at a glacial pace so I say again, I will be surprised if this passes before 12/31.

  • retire63 12/12/2009 4:43am

    The Blatant Greed of the banks and that affect on the PEOPLE is so obvious that it amazes me how anyone can now start some kind of Perfect World chapter and verse about Government intervention. Hell, we are bleeding…call the ambulance! Of course we need some drastic action, with a large enough statement to kick butt. How many Madoffs do you want around? How many Enrons and how many “buy low and seel high” mongers, who are all about the ME ME syndrome, impacting our financial future, do you want in your future?
    These guys don’t even have a good credit score, and look what they want for their empires of tragedy put on the American People. Look at the latest Newsweek regarding the downfall of our country and how close we are to a revolution.
    You want to yada yada about who has the power….well, the American People will support anyone that stops the OLD FORMULA of FAILURE, DECEIT, DISHONESTY AND SELFISH GREED!

  • Comm_reply
    gemma_trimm 12/21/2009 9:15am

    Yeah, because that’s not exactly who makes up the government.

  • BenjaWiz 12/13/2009 9:42am

    Lets get the regulation happening hell yeah.

  • BenjaWiz 12/13/2009 9:43am
    Link Reply
    + -1

    Tax the rich at 75% and help pay for Social Security.

  • Comm_reply
    TBSchemer 02/23/2010 3:33pm
    Link Reply
    + -3

    Yeah! Enslave the rich and kill their families! Hell yeah!

  • Comm_reply
    jonesj34 05/19/2010 5:03pm

    Just curious if you were a free enterpriser and owned your own business and ethically worked very hard and making sure you and your family were prosperous and secure, would you pay 75% of your earnings to put a bandaid on Social Security? I understand they’re are crooked people in the same economic 1% in companies, pharmacutical and health industries and I agree those people should give back the money they stole and are stealing from the American people.Greed is intwined in our very own gov’t, the lobbyist and those unethical people so it seems at least to be caused by poor governing.

  • uncleray 01/14/2010 6:53am

    If the existing agencies failed to do their job how can adding another one
    be better?
    Reprimand, toughen or replace those asleep at the switch!
    Just my $0.02 (<—- no taxpayer money was used in this comment!)

  • glr 01/26/2010 3:55am

    So can they craft any legislation that is readable and less than 1000 pages! It seems they aren’t interested in fixing issues with simple 5-10 page bills per issue but making it so complicated and confusing that they solve nothing. They are looking for the magic fix everything bill instead of making tweaks and improving things as we go!

  • Anonymous 02/04/2010 6:29am
    Link Reply
    + -1

    http://www.youtube.com/watch?v=XKL8BpgJexg

  • Anonymous 02/06/2010 4:18am
    Link Reply
    + -3

    http://www.planetxvideo.com/intro.php

  • Anonymous 02/21/2010 3:52am
    Link Reply
    + -1

    http://www.prisonplanet.com/how-you-could-also-be-a-victim-of-the-laptop-spying-scandal.html

  • Anonymous 02/21/2010 8:24am
    Link Reply
    + -1

    http://www.eutimes.net/2010/02/its-official-u-s-is-a-third-world-country/

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  • allyReport101 03/23/2010 9:02am

    What we need is a range of free market currencies all backed by metals like gold and silver. The competition would reduce volatility and keep prices in check for consumers. Currencies could even partner with retailers to further push down prices. With electronic banking collecting a number of different currencies would be easy and shrewd shoppers could save a bundle. Doing this would restore trust and balance in the market, limit the imperial aspirations of governments, and eliminate inflation. The Free Competition in Currency Act of 2009 is the real reform that is needed legalize the constitution, restore the Republic, investigate 911, end the empire, and create base the economy on the production of great products that raise the standard of living for everyone.

    http://allyreport.blogspot.com/2010/03/free-competition-in-currency-act-of.html

  • polcat 04/12/2010 9:45am

    The Congress,S.E.C and the F.E.D. were all asleep during the last financial crises when investment rules, laws and regulations were clearly violated, loopholed and strained by the Big Banks and Wall Street players. These bogus derivative investment were given triple bond ratings while they were backed by made up stock insurance called (Credit Default Swaps)all under the watchful eyes of the Congress and its regulatory agencies. The best reform of the market would be for the Congress to signal that it will never again “Bail out Wall Street” and let the free marketplace learn the lesson of no one is too big too fail!

  • deborahg6 04/15/2010 1:34am
    Link Reply
    + -2

    Just what we need, more regulation from the Federal government. I don’t need to read this, all I need to know is that Rep. Barney Frank authored it so it can’t be good.

  • klassylady25 04/15/2010 3:37am
    Link Reply
    + -2

    It is time that you balance your own checkbook and leave the rest of us to manage our own, too.

    This bill oversteps fiscal responsibility and give yet, another child (the government) a way to have a tantrum and not be responsible for their own actions.

    THE VOTE IS NO!!

  • Comm_reply
    kbthiede 04/22/2010 4:45pm

    I’m sorry. Could you please make more sense in your comments?


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