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Gale Pooley
Gale Pooley

MBB24

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Money, Banking, and Business Lecture 24 Regulation Chapter 12
Questions?
Exam 3 Monday March 19 Chapters 8-12
Financial Institutions Reform, Recovery, and Enforcement Act of 1989 FIRREA
FIRREA 1989 S&L Crisis FSLIC - Agencies Blow Up SAIF - New Agencies are Created Office of Thrift Supervision OTS Resolution Trust Corporation RTC Government bailed out bank insurance 1.25% of Deposits Type of Loan Requirements Capital Requirements
Community Reinvestment Act 1977 CRA Redlining Discrimination Prove not discriminating Income and race Defaults
1913 Federal Reserve Act - FED 1927 McFadden Act - No Interstate Banking 1933 Glass-Stengall Act - FDIC, Sepration, Rate Ceilings 1980 DIDMCA - Deregulations 1982 Garn-St.Germain Act - Deregulations 1989 FIRREA - Bailout S&Ls, RTC 1991 FDICIA - More power to FDIC 1994 IBBEA - Allow Interstate Banking 1999 Gramm-Leach-Bliley Act - Affiliate, BHC, FHC 2005 FDIC Reform Act - More power to FDIC 2008 Emergency Stabilization Act - $700 Billion Bailout 2010 Dodd-Frank Act - Re-regulation of Financial Industry Legislation
Dodd-Frank 2010
$5 Trillion
Senator Dodd 1981 - 2011 Dodd was the number one recipient in Congress of campaign funds from Fannie Mae and Freddie Mac Congressman Frank 1981 - 2013 Frank lowered mortgage lending standards. Financial Institutions “captured” the politicians and the regulators.
Dodd-Frank 2010 2,300 pages 243 new rules 11 federal agencies Consumer Financial Protection Bureau CFPB Skin-in-the-game Regulate Derivatives SEC Office of Credit Ratings Whistleblowers OTS
Exam 3 Review Financial Intermediaries and Risk Commercial Banking Structure Financial Innovation Instability and Strains Regulation

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Mbb24

  • 1.
  • 2. Money, Banking, and Business Lecture 24 Regulation Chapter 12
  • 4. Exam 3 Monday March 19 Chapters 8-12
  • 5. Financial Institutions Reform, Recovery, and Enforcement Act of 1989 FIRREA
  • 6. FIRREA 1989 S&L Crisis FSLIC - Agencies Blow Up SAIF - New Agencies are Created Office of Thrift Supervision OTS Resolution Trust Corporation RTC Government bailed out bank insurance 1.25% of Deposits Type of Loan Requirements Capital Requirements
  • 7. Community Reinvestment Act 1977 CRA Redlining Discrimination Prove not discriminating Income and race Defaults
  • 8. 1913 Federal Reserve Act - FED 1927 McFadden Act - No Interstate Banking 1933 Glass-Stengall Act - FDIC, Sepration, Rate Ceilings 1980 DIDMCA - Deregulations 1982 Garn-St.Germain Act - Deregulations 1989 FIRREA - Bailout S&Ls, RTC 1991 FDICIA - More power to FDIC 1994 IBBEA - Allow Interstate Banking 1999 Gramm-Leach-Bliley Act - Affiliate, BHC, FHC 2005 FDIC Reform Act - More power to FDIC 2008 Emergency Stabilization Act - $700 Billion Bailout 2010 Dodd-Frank Act - Re-regulation of Financial Industry Legislation
  • 11. Senator Dodd 1981 - 2011 Dodd was the number one recipient in Congress of campaign funds from Fannie Mae and Freddie Mac Congressman Frank 1981 - 2013 Frank lowered mortgage lending standards. Financial Institutions “captured” the politicians and the regulators.
  • 12. Dodd-Frank 2010 2,300 pages 243 new rules 11 federal agencies Consumer Financial Protection Bureau CFPB Skin-in-the-game Regulate Derivatives SEC Office of Credit Ratings Whistleblowers OTS
  • 13. Exam 3 Review Financial Intermediaries and Risk Commercial Banking Structure Financial Innovation Instability and Strains Regulation