Dodd-Frank Archive

Lenders Give Dodd-Frank a Second Look

The Dodd-Frank regulations were intended to correct many of the problems witnessed during the build-up to the subprime financial crisis. In recent quarters, market participants and politicians have debated both tweaks to and wholesale replacement of the Dodd-Frank laws....

Change Could Ease Lender Restrictions

The Dodd-Frank act requires that originators make a good faith effort to verify a borrower’s ability to repay their mortgage and imposes stiff penalties if they do not (ATR and QM rules). This makes sense for the safety of...

The Financial Industry’s Corporate Profits

The U.S. banking system has been healing since its near-death experience in late 2008. After Lehman Brothers went belly up, a major hemorrhage of liquidity nearly took out several other big banks and financial companies. Despite this trauma, after three years...