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.

kbthiede 04/22/2010 4:45pm
in reply to klassylady25 Apr 15, 2010 3:37am

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

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.

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!

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?

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

klassylady25 04/15/2010 3:37am
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+ -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!!

deborahg6 04/15/2010 1:34am
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+ -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.

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!

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

TBSchemer 02/28/2010 12:19am
in reply to brking Dec 20, 2009 4:58am

The Executive Branch is not “another branch of congress.” It’s another branch of government, entirely separate from Congress. And it’s separate with good reason. Checks and balances were deliberately put in place in the Constitution to avoid concentration of power in any one branch.

No where in the Constitution does it explicitly say the President can’t rip it up and start ruling by decree, but you know, some things are just implied.

TBSchemer 02/23/2010 3:33pm
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+ -3
in reply to BenjaWiz Dec 13, 2009 9:43am

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

TBSchemer 02/23/2010 2:56pm
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+ -3
in reply to rodKnee87 Dec 20, 2009 9:45pm

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.

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

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

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

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

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

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

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

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

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!

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!)

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dnj 12/22/2009 4:48pm
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+ -1
in reply to rodKnee87 Dec 20, 2009 9:45pm

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.

gemma_trimm 12/21/2009 9:15am
in reply to retire63 Dec 12, 2009 4:43am

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

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rodKnee87 12/20/2009 9:45pm
in reply to thejeffersondemocrat Dec 18, 2009 5:48am

The current mess was not created by regulations, but was created by the LACK of regulation. Fannie Mae and Freddie Mac did not create the mess, greedy bankers and speculators at places like Goldman Sachs, Bank of America, Wachovia, etc. did. Derivatives based on mortgages including credit default swaps and all kinds of other speculative instuments that were created to find greater and greater yields were the culprit.

No one said anything about forcing people to make productive investments, but if speculation and gambling with other people’s money were illegal, there would be more productive investments made by default.

By the way, many of the inventions that are widely used today came as a result of government research and government supported programs, i.e. through the Institute for National Health, university research funded by the government, NASA, the military, etc.

brking 12/20/2009 5:13am
in reply to thejeffersondemocrat Dec 18, 2009 5:48am

here are a few parts of the constitution that might justify a subsidizing of “clean energy”

“To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes;” anything sold can be regulated a regulation might include some kind of subsist

“provide for the… general Welfare of the United States” vagueness of what is meant by “welfare” might be used to justified it.

“To make all Laws which shall be necessary and proper for carrying into Execution the foregoing Powers, and all other Powers vested by this Constitution in the Government of the United States, or in any Department or Officer thereof.” this means congress can in fact make any laws they want so long as it can called proper and necessary.

brking 12/20/2009 4:58am
in reply to Lindasb11 Dec 12, 2009 2:36am
no were in Constitution does it explictly say they can’t hand over their power to another branch of congress. read article one, sections 8 and 9 carefully.

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thejeffersondemocrat 12/18/2009 5:48am
in reply to rodKnee87 Dec 13, 2009 12:52pm

THe current mess was created by federal regulations forcing banks to provide loans to people who could never afford them. Fannie + Freddie? quasi-Government entities.

The government is already subsidizing “clean energy,” which it has no constitutional authority to do. The only authority in this realm is to issue patents to protect inventors.

The Auto, the plane, the lightbulb. How many of the inventions we take for granted today (besides those which were originally military applications) were the result of government mandates?

The government has no Constitutional authority to force people to “start making productive investments.”


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