The Text of the Dodd-Frank Act
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TABLE OF CONTENTS
Dodd Frank Act
Section 1. Short title; table of contents.
Dodd Frank Act Sec. 2.
Dodd Frank Act Sec. 3. Severability.
Dodd Frank Act Sec. 4. Effective
Dodd Frank Act Sec. 5. Budgetary effects.
Dodd Frank Act Sec. 6. Antitrust
TITLE I—FINANCIAL STABILITY
Dodd Frank Act Sec.
101. Short title.
Dodd Frank Act Sec. 102. Definitions.
A—Financial Stability Oversight Council
Dodd Frank Act Sec. 111. Financial
Stability Oversight Council established.
Sec. 112. Council
Sec. 113. Authority to require supervision and
regulation of certain nonbank financial companies.
114. Registration of nonbank financial companies supervised by the
Board of Governors.
Sec. 115. Enhanced supervision and
prudential standards for nonbank financial companies supervised by
the Board of Governors and certain bank holding companies.
Sec. 116. Reports.
Sec. 117. Treatment of certain companies
that cease to be bank holding companies.
Sec. 118. Council
Sec. 119. Resolution of supervisory jurisdictional
disputes among member agencies.
Sec. 120. Additional
standards applicable to activities or practices for financial
Sec. 121. Mitigation of risks to
Sec. 122. GAO Audit of Council.
Sec. 123. Study of the effects of size and complexity of
financial institutions on capital market efficiency and economic
Subtitle B—Office of Financial Research
Dodd Frank Act Sec.
Sec. 152. Office of Financial Research
Sec. 153. Purpose and duties of the Office.
Sec. 154. Organizational structure; responsibilities of
primary programmatic units.
Sec. 155. Funding.
156. Transition oversight.
Subtitle C—Additional Board of
Governors Authority for Certain Nonbank Financial Companies and
Bank Holding Companies
Dodd Frank Act Sec. 161. Reports by and
examinations of nonbank financial companies by the Board of
Sec. 162. Enforcement.
Sec. 164. Prohibition against management
interlocks between certain financial companies.
Enhanced supervision and prudential standards for nonbank
financial companies supervised by the Board of Governors and
certain bank holding companies.
Sec. 166. Early remediation
Sec. 167. Affiliations.
Sec. 169. Avoiding duplication.
Dodd Frank Act Sec.
170. Safe harbor.
Sec. 171. Leverage and risk-based capital
Sec. 172. Examination and enforcement actions
for insurance and orderly liquidation purposes.
Access to United States financial market by foreign institutions.
Sec. 174. Studies and reports on holding company capital
Sec. 175. International policy coordination.
Sec. 176. Rule of construction.
Dodd Frank Act Sec. 201. Definitions.
202. Judicial review.
Sec. 203. Systemic risk
Sec. 204. Orderly liquidation of covered
Sec. 205. Orderly liquidation of
covered brokers and dealers.
Sec. 206. Mandatory terms and
conditions for all orderly liquidation actions.
Directors not liable for acquiescing in appointment of receiver.
Sec. 208. Dismissal and exclusion of other actions.
Sec. 209. Rulemaking; non-conflicting law.
Dodd Frank Act Sec. 210. Powers
and duties of the Corporation.
Sec. 211. Miscellaneous
Sec. 212. Prohibition of circumvention and
prevention of conflicts of interest.
Sec. 213. Ban on
certain activities by senior executives and directors.
214. Prohibition on taxpayer funding.
Sec. 215. Study on
secured creditor haircuts.
Sec. 216. Study on bankruptcy
process for financial and nonbank financial institutions
Sec. 217. Study on international coordination relating to
bankruptcy process for nonbank financial institutions
III—TRANSFER OF POWERS TO THE COMPTROLLER OF THE CURRENCY, THE
CORPORATION, AND THE BOARD OF GOVERNORS
Dodd Frank Act Sec. 300. Short
Sec. 301. Purposes.
Sec. 302. Definition.
Subtitle A—Transfer of Powers and Duties
Dodd Frank Act Sec. 311.
Sec. 312. Powers and duties transferred.
Sec. 313. Abolishment.
Sec. 314. Amendments to the
Sec. 315. Federal information policy.
Sec. 316. Savings provisions.
Sec. 317. References in
Federal law to Federal banking agencies.
Sec. 318. Funding.
Sec. 319. Contracting and leasing authority.
Dodd Frank Act Sec. 321. Interim use of funds,
personnel, and property of the Office of Thrift Supervision.
Sec. 322. Transfer of employees.
Sec. 323. Property
Sec. 324. Funds transferred.
Disposition of affairs.
Sec. 326. Continuation of services.
Sec. 327. Implementation plan and reports.
C—Federal Deposit Insurance Corporation
Dodd Frank Act Sec. 331. Deposit
Sec. 332. Elimination of procyclical
Sec. 333. Enhanced access to information for
deposit insurance purposes.
Sec. 334. Transition reserve
ratio requirements to reflect new assessment base.
335. Permanent increase in deposit and share insurance.
Sec. 336. Management of the Federal Deposit Insurance Corporation.
Subtitle D—Other Matters
Dodd Frank Act Sec. 341. Branching.
Sec. 342. Office of Minority and Women Inclusion.
Insurance of transaction accounts.
Subtitle E—Technical and
Sec. 351. Effective date.
352. Balanced Budget and Emergency Deficit Control Act of 1985.
Sec. 353. Bank Enterprise Act of 1991.
Sec. 354. Bank
Holding Company Act of 1956.
Sec. 355. Bank Holding Company
Act Amendments of 1970.
Sec. 356. Bank Protection Act of
Sec. 357. Bank Service Company Act.
Community Reinvestment Act of 1977.
Sec. 359. Crime Control
Act of 1990.
Sec. 360. Depository Institution Management
Sec. 361. Emergency Homeowners’ Relief Act.
Sec. 362. Federal Credit Union Act.
Sec. 363. Federal
Deposit Insurance Act.
Sec. 364. Federal Home Loan Bank
Sec. 365. Federal Housing Enterprises Financial Safety
and Soundness Act of 1992.
Sec. 366. Federal Reserve Act.
Sec. 367. Financial Institutions Reform, Recovery, and
Enforcement Act of 1989.
Sec. 368. Flood Disaster
Protection Act of 1973.
Sec. 369. Home Owners’ Loan Act.
Sec. 370. Housing Act of 1948.
Sec. 371. Housing and
Community Development Act of 1992.
Sec. 372. Housing and
Urban-Rural Recovery Act of 1983.
Sec. 373. National
Sec. 374. Neighborhood Reinvestment
Sec. 375. Public Law 93–100.
376. Securities Exchange Act of 1934.
Sec. 377. Title 18,
United States Code.
Sec. 378. Title 31, United States Code.
TITLE IV—REGULATION OF ADVISERS TO HEDGE FUNDS AND OTHERS
Dodd Frank Act Sec. 401. Short title.
Sec. 402. Definitions.
Sec. 403. Elimination of private adviser exemption; limited
exemption for foreign private advisers; limited intrastate
Sec. 404. Collection of systemic risk data;
reports; examinations; disclosures.
Sec. 405. Disclosure
Sec. 406. Clarification of rulemaking
Sec. 407. Exemption of venture capital fund
Sec. 408. Exemption of and record keeping by
private equity fund advisers.
Sec. 409. Family offices.
Sec. 410. State and Federal responsibilities; asset threshold
for Federal registration of investment advisers.
Custody of client assets.
COMPTROLLER GENERAL STUDY ON CUSTODY RULE COSTS.
Sec. 413. Adjusting the
accredited investor standard.
RULE OF CONSTRUCTION RELATING TO THE COMMODITIES EXCHANGE ACT.
Sec. 415. GAO study and
report on accredited investors.
Sec. 416. GAO study on
self-regulatory organization for private funds.
Commission study and report on short selling.
SEC. 418. QUALIFIED CLIENT STANDARD.
A—Office of National Insurance
Dodd Frank Act Sec. 501. Short title.
Sec. 502. Federal Insurance Office.
B—State-Based Insurance Reform
Sec. 511. Short title.
Sec. 512. Effective date.
PART I—NONADMITTED INSURANCE
Dodd Frank Act Sec. 521. Reporting, payment, and allocation of premium taxes.
Sec. 522. Regulation of nonadmitted insurance by insured’s
Sec. 523. Participation in national producer
Sec. 524. Uniform standards for surplus lines
Sec. 525. Streamlined application for
Sec. 526. GAO study of nonadmitted
Sec. 527. Definitions.
Dodd Frank Act Sec. 531. Regulation of credit for
reinsurance and reinsurance agreements.
Regulation of reinsurer solvency.
Sec. 533. Definitions.
PART III—RULE OF CONSTRUCTION
Dodd Frank Act Sec. 541. Rule of
Sec. 542. Severability.
VI—IMPROVEMENTS TO REGULATION OF BANK AND SAVINGS ASSOCIATION
HOLDING COMPANIES AND DEPOSITORY INSTITUTIONS
Dodd Frank Act Sec. 601.
Sec. 602. Definition.
Moratorium and study on treatment of credit card banks, industrial
loan companies, and certain other companies under the Bank Holding
Company Act of 1956.
Sec. 604. Reports and examinations of
holding companies; regulation of functionally regulated
Sec. 605. Assuring consistent oversight of
permissible activities of depository institution subsidiaries of
Sec. 606. Requirements for financial
holding companies to remain well capitalized and well managed.
Sec. 607. Standards for interstate acquisitions.
608. Enhancing existing restrictions on bank transactions with
Sec. 609. Eliminating exceptions for
transactions with financial subsidiaries.
Sec. 610. Lending
limits applicable to credit exposure on derivative transactions,
repurchase agreements, reverse repurchase agreements, and
securities lending and borrowing transactions.
Consistent treatment of derivative transactions in lending limits.
Sec. 612. Restriction on conversions of troubled banks.
Sec. 613. De novo branching into States.
Lending limits to insiders.
Sec. 615. Limitations on
purchases of assets from insiders.
Sec. 616. Regulations
regarding capital levels.
Sec. 617. Elimination of elective
investment bank holding company framework.
Securities holding companies.
Sec. 619. Prohibitions on
proprietary trading and certain relationships with hedge funds and
private equity funds.
Sec. 620. Study of bank investment
Sec. 621. Conflicts of interest.
622. Concentration limits on large financial firms.
623. Interstate merger transactions.
Sec. 624. Qualified
Sec. 625. Treatment of dividends by certain
mutual holding companies.
Sec. 626. Intermediate holding
Sec. 627. Interest-bearing transaction accounts
Sec. 628. Credit card bank small business
TITLE VII—WALL STREET TRANSPARENCY AND
Dodd Frank Act Sec. 701. Short title.
A—Regulation of Over-the-Counter Swaps Markets
Dodd Frank Act Sec. 711. Definitions.
712. Review of regulatory authority.
Sec. 713. Portfolio
margining conforming changes.
Sec. 714. Abusive swaps.
Sec. 715. Authority to prohibit participation in swap
Sec. 716. Prohibition against Federal
Government bailouts of swaps entities.
Sec. 717. New
product approval CFTC—SEC process.
Sec. 718. Determining
status of novel derivative products.
Sec. 719. Studies.
Sec. 720. Memorandum.
PART II—REGULATION OF SWAP
Dodd Frank Act Sec. 721. Definitions.
Sec. 723. Clearing.
Sec. 724. Swaps;
segregation and bankruptcy treatment.
Sec. 725. Derivatives
Sec. 726. Rulemaking on conflict of
Sec. 727. Public reporting of swap transaction
Sec. 728. Swap data repositories.
Reporting and recordkeeping.
Sec. 730. Large swap trader
Sec. 731. Registration and regulation of swap
dealers and major swap participants.
Sec. 732. Conflicts of
Sec. 733. Swap execution facilities.
734. Derivatives transaction execution facilities and exempt
boards of trade.
Sec. 735. Designated contract markets.
Sec. 736. Margin.
Sec. 737. Position limits.
Sec. 738. Foreign boards of trade.
Sec. 739. Legal
certainty for swaps.
Sec. 740. Multilateral clearing
Sec. 741. Enforcement.
Retail commodity transactions.
Sec. 743. Other authority.
Sec. 744. Restitution remedies.
Sec. 745. Enhanced
compliance by registered entities.
Sec. 746. Insider
Sec. 747. Antidisruptive practices authority.
Sec. 748. Commodity whistleblower incentives and protection.
Sec. 749. Conforming amendments.
Sec. 750. Study on
oversight of carbon markets.
Sec. 751. Energy and
environmental markets advisory committee.
Sec. 753. Anti-manipulation
Sec. 754. Effective date.
B—Regulation of Security-Based Swap Markets
Dodd Frank Act Sec. 761.
Definitions under the Securities Exchange Act of 1934.
762. Repeal of prohibition on regulation of security-based swap
Sec. 763. Amendments to the Securities Exchange
Act of 1934.
Sec. 764. Registration and regulation of
security-based swap dealers and major security-based swap
Sec. 765. Rulemaking on conflict of interest.
Sec. 766. Reporting and recordkeeping.
Sec. 767. State
gaming and bucket shop laws.
Sec. 768. Amendments to the
Securities Act of 1933; treatment of security-based swaps.
Sec. 769. Definitions under the Investment Company Act of 1940.
Sec. 770. Definitions under the Investment Advisers Act of
Sec. 771. Other authority.
Sec. 773. Civil penalties.
TITLE VIII—PAYMENT, CLEARING, AND
Dodd Frank Act Sec. 801. Short title.
802. Findings and purposes.
Sec. 803. Definitions.
Sec. 804. Designation of systemic importance.
Standards for systemically important financial market utilities
and payment,clearing, or settlement activities.
Operations of designated financial market utilities.
807. Examination of and enforcement actions against designated
financial market utilities.
Sec. 808. Examination of and
enforcement actions against financial institutions subject to
standards for designated activities.
Sec. 809. Requests for
information, reports, or records.
Sec. 810. Rulemaking.
Sec. 811. Other authority.
Sec. 812. Consultation.
Sec. 813. Common framework for designated clearing entity risk
Sec. 814. Effective date.
IX—INVESTOR PROTECTIONS AND IMPROVEMENTS TO THE REGULATION OF
Dodd Frank Act Sec. 901. Short title.
A—Increasing Investor Protection
Dodd Frank Act Sec. 911. Investor
Advisory Committee established.
Sec. 912. Clarification of
authority of the Commission to engage in investor testing.
Sec. 913. Study and rulemaking regarding obligations of brokers,
dealers, and investment advisers.
Sec. 914. Study on
enhancing investment adviser examinations.
Sec. 915. Office
of the Investor Advocate.
Sec. 916. Streamlining of filing
procedures for self-regulatory organizations.
Study regarding financial literacy among investors.
918. Study regarding mutual fund advertising.
Clarification of Commission authority to require investor
disclosures before purchase of investment products and services.
Sec. 919A. Study on conflicts of interest.
Study on improved investor access to information on investment
advisers and broker-dealers.
Sec. 919C. Study on financial
planners and the use of financial designations.
Subtitle B—Increasing Regulatory Enforcement and
Dodd Frank Act Sec. 921. Authority to restrict mandatory
Sec. 922. Whistleblower
Sec. 923. Conforming amendments for
Sec. 924. Implementation and
transition provisions for whistleblower protection.
925. Collateral bars.
Sec. 926. Disqualifying felons and
other ‘‘bad actors’’ from Regulation D offerings.
Equal treatment of self-regulatory organization rules.
928. Clarification that section 205 of the Investment Advisers Act
of 1940 does not apply to State-registered advisers.
929. Unlawful margin lending.
Sec. 929A. Protection for
employees of subsidiaries and affiliates of publicly traded
Sec. 929B. Fair Fund amendments.
929C. Increasing the borrowing limit on Treasury loans.
Sec. 929D. Lost and stolen securities.
Nationwide service of subpoenas.
Sec. 929F. Formerly
Sec. 929G. Streamlined hiring authority
for market specialists.
Sec. 929H. SIPC Reforms.
Sec. 929I. Protecting confidentiality of materials submitted to
Sec. 929J. Expansion of audit information
to be produced and exchanged.
Sec. 929K. Sharing privileged
information with other authorities.
Sec. 929L. Enhanced
application of antifraud provisions.
Sec. 929M. Aiding and
abetting authority under the Securities Act and the Investment
Sec. 929N. Authority to impose penalties for
aiding and abetting violations of the Investment Advisers Act.
Sec. 929O. Aiding and abetting standard of knowledge satisfied
Sec. 929P. Strengthening enforcement by
Sec. 929Q. Revision to recordkeeping rule.
Sec. 929R. Beneficial ownership and short-swing profit
Sec. 929S. Fingerprinting.
Equal treatment of self-regulatory organization rules.
929U. Deadline for completing examinations, inspections and
Sec. 929V. Security Investor
Protection Act amendments.
Sec. 929W. Notice to missing
Sec. 929X. Short sale reforms.
Sec. 929Y. Study on extraterritorial private rights of action.
Sec. 929Z. GAO study on securities litigation.
C—Improvements to the Regulation of Credit Rating Agencies
Sec. 931. Findings.
Sec. 932. Enhanced regulation,
accountability, and transparency of nationally recognized
statistical rating organizations.
Sec. 933. State of mind
in private actions.
Sec. 934. Referring tips to law
enforcement or regulatory authorities.
Consideration of information from sources other than the issuer in
Sec. 936. Qualification standards for
credit rating analysts.
Sec. 937. Timing of regulations.
Sec. 938. Universal ratings symbols.
Sec. 939. Removal
of statutory references to credit ratings.
Review of reliance on ratings.
Sec. 939B. Elimination of
exemption from fair disclosure rule.
Sec. 939C. Securities
and Exchange Commission study on strengthening credit rating
Sec. 939D. Government Accountability
Office study on alternative business models.
Government Accountability Office study on the creation of an
independent professional analyst organization.
Study and rulemaking on assigned credit ratings.
Effect of Rule 436(g).
Sec. 939H. Sense of Congress.
Subtitle D—Improvements to the Asset-Backed Securitization
Dodd Frank Act Sec. 941. Regulation of credit risk retention.
Sec. 942. Disclosures and reporting for asset-backed
Sec. 943. Representations and warranties in
Sec. 944. Exempted transactions
under the Securities Act of 1933.
Sec. 945. Due diligence
analysis and disclosure in asset-backed securities issues.
Sec. 946. Study on the macroeconomic effects of risk retention
Subtitle E—Accountability and Executive
Dodd Frank Act Sec. 951. Shareholder vote on executive
Sec. 952. Compensation committee
Sec. 953. Executive compensation disclosures.
Sec. 954. Recovery of erroneously awarded compensation.
Sec. 955. Disclosure regarding employee and director hedging.
Sec. 956. Enhanced compensation structure reporting.
Sec. 957. Voting by brokers.
Subtitle F—Improvements to the
Management of the Securities and Exchange Commission
Dodd Frank Act Sec.
961. Report and certification of internal supervisory controls.
Sec. 962. Triennial report on personnel management.
Sec. 963. Annual financial controls audit.
Sec. 964. Report
on oversight of national securities associations.
Sec. 966. Suggestion program for
employees of the Commission.
Sec. 967. Commission
organizational study and reform.
Sec. 968. Study on SEC
Subtitle G—Strengthening Corporate
Dodd Frank Act Sec. 971. Proxy access.
Disclosures regarding chairman and CEO structures.
Dodd Frank Act Sec. 975. Regulation of municipal
securities and changes to the board of the MSRB.
Government Accountability Office study of increased disclosure to
Sec. 977. Government Accountability Office study
on the municipal securities markets.
Sec. 978. Funding for
Governmental Accounting Standards Board.
Commission Office of Municipal Securities.
I—Public Company Accounting Oversight Board, Portfolio Margining,
and Other Matters
Dodd Frank Act Sec. 981. Authority to share certain
information with foreign authorities.
Sec. 982. Oversight
of brokers and dealers.
Sec. 983. Portfolio margining.
Sec. 984. Loan or borrowing of securities.
Technical corrections to Federal securities laws.
Conforming amendments relating to repeal of the Public Utility
Holding Company Act of 1935.
Sec. 987. Amendment to
definition of material loss and nonmaterial losses to the Deposit
Insurance Fund for purposes of Inspector General reviews.
Sec. 988. Amendment to definition of material loss and nonmaterial
losses to the National Credit Union Share Insurance Fund for
purposes of Inspector General reviews.
Sec. 989. Government
Accountability Office study on proprietary trading.
989A. Senior investor protections.
Sec. 989B. Designated
Federal entity inspectors general independence.
Strengthening Inspector General accountability.
Removal of Inspectors General of designated Federal entities.
Sec. 989E. Additional oversight of financial regulatory
Sec. 989F. GAO study of person to person lending.
Sec. 989G. Exemption for nonaccelerated filers.
989H. Corrective responses by heads of certain establishments to
deficiencies identified by Inspectors General.
GAO study regarding exemption for smaller issuers.
989J. Further promoting the adoption of the NAIC Model Regulations
that enhance protection of seniors and other consumers.
Subtitle J—Securities and Exchange Commission Match Funding
Sec. 991. Securities and Exchange Commission match funding.
TITLE X—BUREAU OF CONSUMER FINANCIAL PROTECTION
Dodd Frank Act Sec.
1001. Short title.
Sec. 1002. Definitions.
A—Bureau of Consumer Financial Protection
Establishment of the Bureau of Consumer Financial Protection.
Sec. 1012. Executive and administrative powers.
Sec. 1014. Consumer Advisory Board.
Sec. 1015. Coordination.
Sec. 1016. Appearances before
and reports to Congress.
Sec. 1017. Funding; penalties and
Sec. 1018. Effective date.
Powers of the Bureau
Sec. 1021. Purpose, objectives, and
Sec. 1022. Rulemaking authority.
1023. Review of Bureau regulations.
Sec. 1024. Supervision
of nondepository covered persons.
Sec. 1025. Supervision of
very large banks, savings associations, and credit unions.
Sec. 1026. Other banks, savings associations, and credit unions.
Sec. 1027. Limitations on authorities of the Bureau;
preservation of authorities.
Sec. 1028. Authority to
restrict mandatory pre-dispute arbitration.
Exclusion for auto dealers.
Sec. 1029A. Effective date.
Subtitle C—Specific Bureau Authorities
Dodd Frank Act Sec. 1031.
Prohibiting unfair, deceptive, or abusive acts or practices.
Sec. 1032. Disclosures.
Sec. 1033. Consumer rights to
Sec. 1034. Response to consumer
complaints and inquiries.
Sec. 1035. Private education loan
Sec. 1036. Prohibited acts.
Subtitle D—Preservation of State Law
Dodd Frank Act Sec. 1041. Relation to State law.
Preservation of enforcement powers of States.
Preservation of existing contracts.
Sec. 1044. State law
preemption standards for national banks and subsidiaries
Sec. 1045. Clarification of law applicable to
nondepository institution subsidiaries.
Sec. 1046. State
law preemption standards for Federal savings associations and
Sec. 1047. Visitorial standards for
national banks and savings associations.
Subtitle E—Enforcement Powers
Dodd Frank Act Sec.
Sec. 1052. Investigations and
Sec. 1053. Hearings and
Sec. 1054. Litigation authority.
Sec. 1055. Relief available.
Sec. 1056. Referrals for
Sec. 1057. Employee protection.
Sec. 1058. Effective date.
Subtitle F—Transfer of
Functions and Personnel; Transitional Provisions
Dodd Frank Act Sec. 1061.
Transfer of consumer financial protection functions.
1062. Designated transfer date.
Sec. 1063. Savings
Sec. 1064. Transfer of certain personnel.
Sec. 1065. Incidental transfers.
Sec. 1066. Interim
authority of the Secretary.
Sec. 1067. Transition
Subtitle G—Regulatory Improvements
Dodd Frank Act Sec.
1071. Small business data collection.
Sec. 1072. Assistance
for economically vulnerable individuals and families.
1073. Remittance transfers.
Sec. 1074. Department of the
Treasury study on ending the conservatorship of Fannie Mae,
Freddie Mac, and reforming the housing finance system.
1075. Reasonable fees and rules for payment card transactions.
Sec. 1076. Reverse mortgage study and regulations.
1077. Report on private education loans and private educational
Sec. 1078. Study and report on credit scores.
Sec. 1079. Review, report, and program with respect to
Sec. 1079A. Financial fraud
Subtitle H—Conforming Amendments
1081. Amendments to the Inspector General Act.
Amendments to the Privacy Act of 1974.
Amendments to the Alternative Mortgage Transaction Parity Act of
Sec. 1084. Amendments to the Electronic Fund Transfer
Sec. 1085. Amendments to the Equal Credit Opportunity
Sec. 1086. Amendments to the Expedited Funds
Sec. 1087. Amendments to the Fair Credit
Sec. 1088. Amendments to the Fair Credit
Reporting Act and the Fair and Accurate Credit Transactions Act of
Sec. 1089. Amendments to the Fair Debt Collection
Sec. 1090. Amendments to the Federal Deposit
Sec. 1091. Amendment to Federal Financial
Institutions Examination Council Act of 1978.
Amendments to the Federal Trade Commission Act.
Amendments to the Gramm-Leach-Bliley Act.
Amendments to the Home Mortgage Disclosure Act of 1975.
Sec. 1095. Amendments to the Homeowners Protection Act of 1998.
Sec. 1096. Amendments to the Home Ownership and Equity
Protection Act of 1994.
Sec. 1097. Amendments to the
Omnibus Appropriations Act, 2009.
Sec. 1098. Amendments to
the Real Estate Settlement Procedures Act of 1974.
1098A. Amendments to the Interstate Land Sales Full Disclosure
Sec. 1099. Amendments to the Right to Financial
Privacy Act of 1978.
Sec. 1100. Amendments to the Secure
and Fair Enforcement for Mortgage Licensing Act of 2008.
Sec. 1100A. Amendments to the Truth in Lending Act.
1100B. Amendments to the Truth in Savings Act.
Amendments to the Telemarketing and Consumer Fraud and Abuse
Sec. 1100D. Amendments to the Paperwork
Sec. 1100E. Adjustments for inflation in the
Truth in Lending Act.
Sec. 1100F. Use of consumer reports.
Sec. 1100G. Small business fairness and regulatory
Sec. 1100H. Effective date.
XI—FEDERAL RESERVE SYSTEM PROVISIONS
Dodd Frank Act Sec. 1101. Federal
Reserve Act amendments on emergency lending authority.
1102. Reviews of special Federal reserve credit facilities.
Sec. 1103. Public access to information.
Liquidity event determination.
Sec. 1105. Emergency
Sec. 1106. Additional related
Sec. 1107. Federal Reserve Act amendments on
Federal reserve bank governance.
Sec. 1108. Federal Reserve
Act amendments on supervision and regulation policy.
1109. GAO audit of the Federal Reserve facilities; publication of
TITLE XII—IMPROVING ACCESS TO MAINSTREAM
Dodd Frank Act Sec. 1201. Short title.
Sec. 1203. Definitions.
Expanded access to mainstream financial institutions.
1205. Low-cost alternatives to payday loans.
Grants to establish loan-loss reserve funds.
Sec. 1208. Authorization of
Sec. 1209. Regulations.
Evaluation and reports to Congress.
TITLE XIII—PAY IT BACK
Dodd Frank Act Sec. 1301. Short title.
Sec. 1302. Amendment to
reduce TARP authorization.
Sec. 1303. Report.
1304. Amendments to Housing and Economic Recovery Act of 2008.
Sec. 1305. Federal Housing Finance Agency report.
1306. Repayment of unobligated ARRA funds.
XIV—MORTGAGE REFORM AND ANTI-PREDATORY LENDING ACT
Dodd Frank Act Sec.
1400. Short title; designation as enumerated consumer law.
Subtitle A—Residential Mortgage Loan Origination Standards
Sec. 1401. Definitions.
Sec. 1402. Residential mortgage
Sec. 1403. Prohibition on steering
Sec. 1404. Liability.
Sec. 1406. Study of shared appreciation
Subtitle B—Minimum Standards For Mortgages
Sec. 1411. Ability to repay.
Sec. 1412. Safe harbor and
Sec. 1413. Defense to foreclosure.
Sec. 1414. Additional standards and requirements.
1415. Rule of construction.
Sec. 1416. Amendments to civil
Sec. 1417. Lender rights in the
context of borrower deception.
Sec. 1418. Six-month notice
required before reset of hybrid adjustable rate mortgages.
Sec. 1419. Required disclosures.
Sec. 1420. Disclosures
required in monthly statements for residential mortgage loans.
Sec. 1421. Report by the GAO.
Sec. 1422. State attorney
general enforcement authority.
Dodd Frank Act Sec. 1431. Definitions relating to high-cost
Sec. 1432. Amendments to existing requirements
for certain mortgages.
Sec. 1433. Additional requirements
for certain mortgages.
Subtitle D—Office of Housing
Sec. 1441. Short title.
Establishment of Office of Housing Counseling.
Sec. 1444. Grants for housing
Sec. 1445. Requirements to use
HUD-certified counselors under HUD programs.
Study of defaults and foreclosures.
Sec. 1447. Default and
Sec. 1448. Definitions for
Sec. 1449. Accountability and
transparency for grant recipients.
Sec. 1450. Updating and
simplification of mortgage information booklet.
Home inspection counseling.
Sec. 1452. Warnings to
homeowners of foreclosure rescue scams.
Sec. 1461. Escrow and impound accounts relating
to certain consumer credit transactions.
Disclosure notice required for consumers who waive escrow
Sec. 1463. Real Estate Settlement Procedures Act
of 1974 amendments.
Sec. 1464. Truth in Lending Act
Sec. 1465. Escrows included in repayment
Subtitle F—Appraisal Activities
Dodd Frank Act Sec. 1471.
Property appraisal requirements.
Sec. 1472. Appraisal
Sec. 1473. Amendments relating
to Appraisal Subcommittee of FFIEC, Appraiser Independence
Monitoring, Approved Appraiser Education, Appraisal Management
Companies, Appraiser Complaint Hotline, Automated Valuation
Models, and Broker Price Opinions.
Sec. 1474. Equal Credit
Opportunity Act amendment.
Sec. 1475. Real Estate
Settlement Procedures Act of 1974 amendment relating to certain
Sec. 1476. GAO study on the effectiveness
and impact of various appraisal methods, valuation models and
distributions channels, and on the Home Valuation Code of conduct
and the Appraisal Subcommittee.
Resolution and Modification
Sec. 1481. Multifamily mortgage
Sec. 1482. Home Affordable Modification
Sec. 1483. Public availability of
information of Making Home Affordable Program.
Protecting tenants at foreclosure extension and clarification.
Subtitle H—Miscellaneous Provisions
Sec. 1491. Sense of
Congress regarding the importance of government-sponsored
enterprises reform to enhance the protection, limitation, and
regulation of the terms of residential mortgage credit.
Sec. 1492. GAO study report on government efforts to combat
mortgage foreclosure rescue scams and loan modification fraud.
Sec. 1493. Reporting of mortgage data by State.
1494. Study of effect of drywall presence on foreclosures.
Sec. 1495. Definition.
Sec. 1496. Emergency mortgage
Sec. 1497. Additional assistance for Neighborhood
Sec. 1498. Legal assistance for
Dodd Frank Act Sec. 1501. Restrictions on use of United States
funds for foreign governments; protection of American taxpayers.
Sec. 1502. Conflict minerals.
Sec. 1503. Reporting
requirements regarding coal or other mine safety.
1504. Disclosure of payments by resource extraction issuers.
Sec. 1505. Study by the Comptroller General.
Study on core deposits and brokered deposits.
XVI—SECTION 1256 CONTRACTS
Dodd Frank Act Sec. 1601. Certain swaps, etc.,
not treated as section 1256 contracts.
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international Association of Risk and Compliance Professionals