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 61-83 of 83 total comments.

  • cclezel 04/16/2010 6:34am

    “If Congress can employ money indefinitely to the general welfare,
    and are the sole and supreme judges of the general welfare,
    they may take the care of religion into their own hands;
    they may appoint teachers in every State, county and parish
    and pay them out of their public treasury;
    they may take into their own hands the education of children,
    establishing in like manner schools throughout the Union;
    they may assume the provision of the poor;
    they may undertake the regulation of all roads other than post-roads;
    in short, every thing, from the highest object of state legislation
    down to the most minute object of police,
    would be thrown under the power of Congress…. Were the power
    of Congress to be established in the latitude contended for,
    it would subvert the very foundations, and transmute the very nature
    of the limited Government established by the people of America.”

    James Madison

  • Comm_reply
    jonesj34 05/19/2010 6:53pm

    Best comment by far. Thanks cclezel, couldn’t be better put!

  • Comm_reply
    LucasFoxx 07/02/2010 7:02am

    Too bad the context was left out to show how how off target it is to the current debate.

  • build2suit4u 04/16/2010 7:16pm

    Of all people to sponsor this bill,Rep.Barney Frank. That is like having Foxy Loxy in charge of locking up the chicken coop at night. “I’ll make sure the door is locked tight”,said Foxy Loxy to Henny Penny.———> I’ll make sure these big evil bankers don’t make billion dollar bonuses anymore, I’ll just sponsor HR 4173, that will stop that for certain. Fannie and Freddie were doing just fine, isn’t that right Barney?

  • purplelilac3084 04/21/2010 3:53am

    I believe we need regulation, however, we do NOT need another government program. We already have 2 programs that are made to find this fraud, they just AREN"T doing their job. So, I say, fire the people, and hire people who will earn their salaries!

  • kbthiede 04/22/2010 4:43pm

    I find it funny how the same people who cry for less government were the most vocal supporters of the bailout. Only to see it go to bonuses. YES! The rich get richer while the poor suffer more. Capitalism, ladies and gents, oh, capitalism.

  • djezell 06/10/2010 8:48am

    Free market. If you don’t like how the banks handle your money, dont give the banks your money. People buy houses they cant really afford. The people were fools for buying the house, especially without reading the fine print and taking a close look at their budget. They weren’t prepared, and that is their fault. There shouldnt have been any regulation to allow for people with less to buy more in the first place. Could have, should have, would have. It doesnt really matter at this point, and whats done is done. We should be focusing on not adding to the damage, and most of the “damage control” we have tried is just creating other issues. The more we change, the more complex it is, and the more difficult it is to control. Let it lie, and it will pan itself out. Economies are meant to expand, but they are also meant to contract. The longer we try to prevent any contraction, the harder said contraction will hit when it does. Just my two cents.

  • kiki 06/16/2010 11:44am
    Link Reply
    + -1

    I don’t think much will change within our society until we can admit what is happening right now stems from a cultural problem.Have SOME banks abused the industry?Yes…cultural problem with the folks running the businesses,in that their moral code allowed them to behave in such a way.However, not all banks accepted bail out funds, not all banks participated in subprime mortgages.There are GOOD community banks still in existence for now, but if this bill passes, all banks will be affected.In turn, so will the consumer. Some consumers needs to accept their responsibility in the problems, as well. A person knows what their monthly income is, and a lot of people do not take the time to balance their checkbook, resulting in numerous overdraft fees monthly.Look at your household expenses…do you need a $500/month car payment, $100/month cable bill?As a society we need to accept the responsibility.Because of the hardships that have occured,others that took care of their finances have hurt

  • vlobato9817 06/25/2010 9:01am

    free market… what’s that…? It’s been getting worse and now this is the nail in the coffin.

  • ldranton 07/06/2010 5:13pm

    This should pass if and only if it does included the Fannie and Freddiee bailouts to not be used in future bailouts and no taxes the banks and Finacial ititutions

  • KyleAbbott 07/12/2010 2:25pm

    The Clinton Administration created this mess. By establishing “quotas” to lend to people that could never afford the home loans, the banks had to give out many subprime mortgages that were destined to fail. This bill will give entirely too much power to Tim Geithner. He’ll have the power to take over any failing firms and run them himself! Where in the Constitution does it give him the power to do so? What we need is to loosen the money supply and let the free market run like we have in the past. A part of the free market system is general ups and downs. In the 20’s, we had a sharp recession brought on by Wilson and subsequent boom due to the policies of Harding and Coolidge. Why can’t we do that again? We do need more regulation than what they had then, but this bill goes over the top and promotes “Crony Capitalism.” We need to let these firms fail, and let those who can actually run a tight ship take over the economy with less regulation and none of these so called “Quotas”

  • Comm_reply
    Peterwang998 07/13/2010 2:27am
    Link Reply
    + -1

    You do realize that the Credit Default Swaps market is still valued at over 30 trillion dollars (down from its peak of 60 trillion in 2007), and because of inadequate protections against counter-party defaults, we cannot simply let a firm “fail” until the sub-prime mortgage problem is solved. Otherwise by letting one firm fail and default on all of its CDS, all the other banks that have purchased CDS from this institution would essentially be losing their insurance against defaults in the sub-prime mortgage market.

    Systemic risks from a unregulated market of naked CDS needs to be eliminated, a free-market is worthless without the rules of the trade being enforced.

  • KyleAbbott 07/13/2010 1:55pm

    You missed my point. I did say that we need more regulation on those derivatives. They shouldn’t be traded at all in my humble opinion. If the Clinton Admin didn’t make these firms engage in these bad loans, then it would be completely unnecessary to trade these insane derivatives. The SEC needs to regulate these things, and Fannie and Freddie need to go.

  • apathykillsdemocracy 07/13/2010 4:06pm

    This gives more power to the poeple who screwed up in the first place. dam politics will never change with these DB’s!

  • lieslieslies 07/16/2010 3:28am

    This bill/law is the most despicable thing I’ve seen … right next to the health care law. All this does is give MORE power to the Federal Reserve, the same Federal Reserve that they’re refusing to do a FULL audit of. No more bailouts? LIES, LIES, LIES. Now, they’ll just do it behind closed doors and without approval of Congress. The Fed will just take over. This is absolutely sickening.

    As far as the UI extensions, Republicans want it to be taken from unused stimulus money, rather than that money being used to put up ‘pat me on the back’ road signs, saying that our tax dollars (stimulus money) paid for that road work to be done. WHAT A WASTE! Is ANYONE had enough of this ridiculous spending, yet? And there you have it, folks, the truth behind why Republicans haven’t approved it yet, they merely want it specified where that money is coming from and requesting it be taken from those unused funds, rather than adding more to our debt.

  • HeathervanWolf 07/16/2010 4:28am

    This bill creates the Financial Stability Oversight Council which is endowed with broad sweeping powers including the ability to break up banks and create and impose and enforce regultions without further congressional approval or scrutiny. Because all but one Council seats are presidential appointed, I am concerned over the balance of power here. No congressional approval is included to safeguard abuse of power.

  • Comm_reply
    psutopgun 07/29/2010 10:29am

    Heather: That is the point. The white house now controls 70% of the private sector. That is the intent of this bill along with throwing money at those that could not normally get loans. Sound familiar? It will be much more difficult for small business and individuals to get loans if that’s possible. I have read some of this bill and it is going to be used to collapse our economy…plain and simple.

  • Superpower 07/19/2010 11:37am

    How ironic that the same two common criminals; Barney Frank (D) and Chris Dodd (D) cover their own tracks with a bill to reform the industry that they themselves undermined for their own political gain. Both of the degenerates should be fitted for orange jumpsuits.

  • psutopgun 07/29/2010 10:08am

    This bill is nothing more than putting bailouts, funded by the taxpayer, in place and providing loans to those that can not afford them. They say the banks will put money in a fund for bailouts. Where do you think the banks will get the money from? It places the seeds for another recession. Frank was one of the primary reasons for this mess. Where is Freddie and Fannie is this piece of trash. Now 70% of the economy is under the boot of the white house. The average person and small business will find it even more difficult to obtain a loan but those that participated in obtaining loans and could not afford them will now have money thrown at them by the federal government. Can you spell transfer of wealth.

  • REDDAWN 09/28/2010 7:16pm

    The two biggest criminals in congress responsible for the Freddy and Fannie scam! They have no clue, Barney cant even handle his own district. These progressives have no idea what they are doing,like the short sell ban in OCT 08, which Bernanke admits he later regretted BECAUSE OF CONSEQUENCES THAT WERNT APARINT TO HIM AT THE TIME!. Why can’t they regulate congress first cut spending and create some jobs. The consequence from their intervention means nothing to them, only the goals of the communist minority! This whole crises was caused by a democratic congress ran by progressives and communist! Wasn’t Oswald( Kennedy’s assassin a progressive communist). We need protection from this fool thats why they have forced him into the basement to pull this trick in the dark.Congress is for the people and I feel sorry for those to ignorant to understand whats going on, but not supprised. These guys have turned income in construction industry from $800-$1000 a week into $7.50 labor.

  • razorclams 01/07/2011 6:20am

    Yes the repeal of Glass Steagall by the Clinton administration was the beginning of the end. We need to bring back the regulations and restrictions proposed during the New Deal era. They worked! Bankers and financial services advisers should be seperate as Glass Steagall required. Greedy capitalist will eat their own if we let them….and that means main street too.
    MORE REGULATION NOT LESS! STOP MONOPOLIES! REGULATE!

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