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Tuesday, August 28, 2012

Dodd-Frank Act Helping Community Banks?

Treasury in a recent blog post attempted to explain how the Dodd-Frank Act has helped Main Street banks—community banks. The post states Treasury “recognizes that small banks were not the cause of the financial crisis,” and attempts to explain how new regulations “level the playing field” for community banks.

Read Treasury’s post here.

ABA has identified multiple issues facing community banks that have stemmed from the Dodd-Frank Act, including the following:
  • Capital Requirements 
  • The Creation of the Another Regulatory Supervisor: CFPB 
  • FDIC Coverage and Assessment Base Changes 
  • Mortgage Finance Changes 
  • Housing: QM and QRM Changes 
  • Interchange Restrictions 
  • Municipal Advisors Regulations 
  • The Merger of OTS into OCC 
  • Preemption Changes
  • Changes for Savings and Holding Companies 
  • New Swap Regulations 
  • Volcker Rule
These issues are discussed in the ABA online booklet—“Dodd-Frank and Community Banks: Your Guide to 12 Critical Issues.”

Download the free guide.

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