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 1-30 of 83 total comments.

NoGoodOnesLeft 12/10/2009 2:51am
Link Reply
+ 18
in reply to kinguvdremzz Dec 09, 2009 11:59am

I don’t understand how those companies were allowed to become “too big to fail” in the first place. They shouldn’t necessarily be broken up, but if they fail then they fail – taxpayers shouldn’t pay for them to stay in business. Let the employees give up their million dollar bonuses or take pay cuts like other businesses have had to do.

toray99 04/22/2010 6:11pm
in reply to TBSchemer Feb 23, 2010 2:48pm

Repealing Glass Steagall act in the clinton days was the problem.
What about fannie and freddie…? How much did barney and boyfriend herb moses make on the deal..?? Let’s not forget old cris dodd…

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.

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.

NoGoodOnesLeft 12/14/2009 6:28am
in reply to MercilessPit Dec 14, 2009 2:44am

Looks to me like they do what they want with our money anyway – like giving 800 billion to the banks so they can pay themselves huge salaries and bonues while they already charge outrageous fees and surcharges. Too bad it isn’t “open season” on greedy people. Also looks to me like maybe you are the “sheeple.”

Chris51 06/27/2010 10:19pm
in reply to NoGoodOnesLeft Dec 10, 2009 2:51am

Congress rushed through a $700 billion bailout of Wall Street in 2008.
The Wall Street Journal reported last week that American corporations have increased their cash reserves to $1.84 TRILLION, the highest figure in history. In other words, big business and the banks, after an unprecedented bailout by the public treasury, are hoarding the funds that could put millions back to work. The cash reserves of major corporations have jumped 26 percent in one year, the largest percentage increase in nearly 60 years. The cash reserves of working people, and particularly the unemployed, have not been so fortunate…
BIG COMPANIES CAN CHOOSE NOT TO HIRE THE UNEMPLOYED BASED ON THEIR CREDIT REPORT
change.org

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!

rodKnee87 12/13/2009 12:52pm
in reply to kinguvdremzz Dec 09, 2009 11:59am

What we need is more regulation, not less. What we need is a reimposition of the Glass-Steagal Act which was passed after the depression to prevent the kind of abuse that is going on today. The so-called free market is not really free at all. It has resulted in the loss of trillions of dollars for ordinary Americans. The financial games that are being played are ridiculous and are a waste of our national resources. Far too much of the economy has been commoditized into non-productive and useless gambling. If these bankers want to gamble, they should go to Vegas. Too many commodities are traded on the spot market. Remember the disaster of trading electricity in CA? Are you aware that Enron, before the fall, was actually planning on trading “weather futures”??? It has become ludicrous and totally wasteful!!!!!!!!!!!!!!!!!!!!!!!!!! It is time that America and its businessmen, bankers, financiers, etc. started making productive investments in industry, clean energy, etc.

AuroraRancher 12/16/2009 2:04am
in reply to NoGoodOnesLeft Dec 14, 2009 6:28am

The Definition of Insanity – Doing the same thing over & over & expecting diferent results! This is nothing more than the way it as always been stated a different way!

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!

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!)

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.

MissKiff 12/11/2009 11:44am
in reply to l72116 Dec 10, 2009 1:02pm

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/

smitty805 12/11/2009 4:09am

We need Less Government! Not More!

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.

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.

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.
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.

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!

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.

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.

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.

jonesj34 05/19/2010 5:03pm
in reply to BenjaWiz Dec 13, 2009 9:43am

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.

LucasFoxx 07/02/2010 7:02am
in reply to jonesj34 May 19, 2010 6:53pm

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

BenjaWiz 12/13/2009 9:42am

Lets get the regulation happening hell yeah.

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.

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

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!

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

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?


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