Dodd-Frank Act

Increase results, decrease risk
John Baer, Senior Director of Product Management at Moody’s Analytics, tackles questions over banking regulations and the importance of commercial underwriting. He suggests that the need to use superior analytics and data management practices will be the key to making better pricing and loan decisions, as will transparent and up front processes and effective data 

Author: John Baer
Date: January 3, 2011

Dodd-Frank Act Regulations Introduction 
The Dodd-Frank Act, passed in July 2010, forms the basis of the U.S. government ‘s regulatory response to the financial crisis. Many consider it one of the most sweeping overhauls of financial regulation in recent U.S. history. In this article we examine its scope and look at how it differs from Basel III. Whilst is it primarily drawn up for the U.S banks with assets of over $500m, it may apply to others and it does apply to any US operations anywhere that are subject to U.S jurisdiction.

Date: March 1, 2011

Dodd-Frank Act Regulations: Reform of Regulatory Bodies 
The Dodd-Frank Act (DFA) created several new regulatory agencies, shifted responsibilities among many existing agencies and eliminated the Office of Thrift Supervision. As a result, many financial institutions will be regulated by new regulators and the related, presumably more stringent, regulations. Thrifts will now be regulated by other banking agencies, the Federal Reserve, OCC or FDIC, depending on their charter. Read here for more details.

Date: March 1, 2011