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The Dodd-Frank Act requires an unprecedented two- to five-year rulemaking process where roughly 250 new regulations need to be researched and written by at least a dozen regulatory agencies.
Systemic Risk Regulation
Systemic risk generally describes the interdependency of institutions in global financial markets and the domino effect that can arise from correlated risks and the failure of a single or handful of financial institutions.
As part of the Dodd-Frank Act, Congress adopted a ban on proprietary trading and restricted investment in hedge funds and private equity by commercial banks and their affiliates, the so-called “Volcker Rule.”
Derivatives are financial contracts used to manage risk by transferring it from a party that wishes to reduce its exposure to another party that wishes to take on that exposure.
A fiduciary standard refers to the duty a financial professional (the fiduciary) holds to place the best interests of their clients (investors seeking “personalized investment advice”) over their own.
Housing Finance and Securitization
Overall housing finance reform in the U.S., including the future of the GSEs, will be addressed separately from the Dodd-Frank Act.