Iyo Trump Yakaneta Sei Dodd-Frank uye Yowedzera Ngozi Yako
Mutungamiri weTrump ave achitsigira kuchinja kubva musi waFebruary 3, 2017. Asi Dodd-Frank angangotadza zvachose kuenda. Ndizvo nokuti mazana emitemo yeDodd-Frank yakabatanidzwa mumabhengi emabhengi ose. Asi VaRepublicans vari kusunungura mitemo yayo mukati meUnited States.
Trump inotaura kuti Dodd-Frank anochengetedza mabhengi ekukweretesa mamwe mabhizimisi maduku. Asi Mutemo unoshora mabhanga makuru. Vakasimbisa uye vakakura kubvira muna 2008 matambudziko emari . Mabhizimisi maduku anowanzokwereta kubva kumabhangi maduku, kwete mabhanga makuru. Chinonyanya kukanganisa mabhanki maduku ndechekuderera-kutora mutengo wemamiriro ekunze akave akakunda sezvo dambudziko rezvemari. Inoderedza kubatsirwa kwavo.
Matarekota eTrump anoti mabanki haasisina mitemo yakawanda uye kutarisirwa. Vanopikisa kuti mabhangi ane mari yakakwana yekurira chero dambudziko rese. Asi mabhangi anongotaridzirwa zvakanaka nokuti Dodd-Frank.
Chidimbu cheMutemo
Dodd-Frank Wall Street Reform Act mutemo unotungamirira mari yemari uye inodzivirira vatengi. Zvaro zvisere zvingabatsira kubvisa kudzokorora kwematambudziko emari muna 2008 .
Ndiyo yakanyatsoshandiswa kudarika mari kubva paGoo-Steagall Act . Girazi-Steagall yakaronga mabhengi mushure mekunge 1929 kushambadzira kwemusika .
The Gramm-Leach-Bliley Act yakaiparadza muna 1999. Izvozvo zvakabvumira mabhengi kuti adzorezve mari yevashandi muzvigadzirwa zvisiri pamutemo. Uku kuregererwa kwakabatsira kwakakonzera kukanganisa kwemari muna 2008.
Dodd-Frank Mutemo anonzi mazita maviri eChristians avo vakasika. Sénata Chris Dodd akazvizivisa musi waMarch 15, 2010. Musi waMay 20, yakapfuura Senate. Mutauriri weUnited States Barney Frank akadzokorora muImba, iyo yakaibvumidza iyo June 30. Musi waJuly 21, 2010, Mutungamiri Obama vakasaina Mutemo mumutemo.
Nzira Nhatu Dodd-Frank Anoita Kuti Nyika Yenyu Ive Yakachengeteka uye Kuti Kuronga kweTurump Kuchinja Izvozvo
1. Vatariri veWall Street. IWedding Stability Oversight Council inoratidzira njodzi dzinobata zvose zvemabhizimisi emabhizimusi. Inotarisawo makambani ezvemari kunze kwebhangi, sehedge funds . Inokurudzira kuti Federal Reserve inotarisira chero iyo inokura zvikuru. IFed ichakumbira kambani kuti iwedzere nzvimbo yayo yekuchengetedza inoda . Izvo zvinodzivisa kusimba kubva pakukurira zvakanyanya kusakundikana, saAmerican International Group Inc. Sachigaro weFSOC ndiye Munyori weHarare. Dare racho rine mapfumbamwe. Vaisanganisira Securities Exchange Commission , Fed, Consumer Financial Protection Bureau , OCC, Federal Deposit Insurance Corporation , FHFA uye CFPA.
Mutungamiri weTrump anoda kudzivirira Fed kubva kutarisira makambani makuru. Inoda kuti FSOC irege kumisa makambani akadai seAIG zvakanyanya kukura kuti isakundikana. Iyo inotaura kuti mamwe mimwe mitemo inoita kuti makambani makuru arege kukuvadza pamusika wepasi rese.
2. Inodzima Mabhenji Kubhejera neDositor 'Money. The Volcker Rule inorambidza mabhizimisi kubva kushandiswa kana kushandisa dzimba dzekudzivirira pfuma yavo pachavo. Inovadzivisa kushandisa mari yavo ye depositors kuti vatengese maakaiti avo. Mabhangi anogona kushandisa hedge funds nokuda kwevatengi vavo chete. Dodd-Frank akapa mabhanga makore manomwe kuti abve mubazi rehedge fund. Vanokwanisa kuchengeta mari ipi zvayo iri pasi pe3 muzana yemari. Mabhangi akakurudzira zvakasimba kutonga, achirega kubvumirwa kusvika munaDisemba 2013. Yakatanga kushanda munaMuvhuro 2014. Bhengi dzaiva kusvika musi waJuly 21, 2015 kuti dziite mitemo yavo yekuteerera.
Urongwa hwaTrump hunokonzera mabhanhire aine madhora anodarika $ 10 biliyoni muzvinhu. Asi kana mabheji iwayo achidzokera kubhejera nevatengi 'mari, ngozi inokwira kune wese.
3. Kudzora Dhivatives Dambudziko. Dodd-Frank inoda kuti zvivako zvakanyanya kune ngozi, sekwereti swaps , inotongwa. Basa iri rinowanikwa kune Securities and Exchange Commission kana Commodity Futures Trading Commission. Izvo zvinoenderana nerudzi rwezvakawanikwa. Vachazonyanya kuwedzera kuisa njodzi. Izvo zvinounza kune avo vanoita mitemo-kutarisa pamberi pekutambudzika kukuru kunoitika. Imba yekuchenesa, yakafanana neyokutengeserana , inofanira kuiswa. Izvozvo zvinovimbisa kuti michina inobva kune iyo inoshandiswa pachena. Dodd-Frank akasiyira iyo kune vatongi kuti vaone nzira yakanakisisa yokugadzira nzvimbo yekuchenesa. Izvo zvakaita kuti pave nedzidzo dzakawanda uye kukurukurirana kwenyika dzakawanda.
4. Kunounza Hedge Fund Maitiro KuChiedza. Kana hedge mari nevamwe vadzidzisi vezvemari vasingatongorongorwi, zvinhu zvinokosha zvezviwanikwa zvinoshandiswa. Chimwe chezvakakonzera dambudziko remari ra2008 ndechekuti hapana munhu aiziva zvaive mune zvigadzirwa. Izvi zvaireva kuti hakuna munhu aiziva kuti aizotengesa sei. Ndokusaka Fed yakafunga kuti subprime mortgage crisis ingaramba iri mukati mechirongwa cheimba. Derivatives ndeimwe yezvikonzero zvinokonzerwa ne subprime mortgage crisis .
Kuti agadzirise izvozvo, Dodd-Frank anofananidzwa nemari yose yemari yekunyora neC SEC. Hedge mari inofanirwa kupa ruzivo pamusoro pemabasa avo uye mahofisi kuitira kuti SEC iongorore huwandu hwemisika. Izvi zvinopa humwe humwe simba rekutonga mazano kuvarimi. Izvi ndizvo zvinoreva kuti Dodd-Frank akakwidza chibvumirano cheasset kubva pa $ 30 mamiriyoni kusvika ku $ 100 mamiriyoni. Pakazosvika January 2013, mabhanki makumi matanhatu nemasere pasi rose akanyora bhizimusi ravo rezvebhizimusi neCFTC.
5. Kutarisa Chikwereti Chikamu Chema Agence. Dodd-Frank akasika Hofisi yeKwereta Chikwereti paS SEC. Inotarisira masangano ekuenzanisa chikwereti seMoody's uye Standard & Poor's . Vakawanda vanopomera masangano ekudarika mamwe mabhomba ezvigadzirwa uye kuchengetwa kwemari . Vashandi vanovimba nemasangano aya uye havana kuziva kuti chikwereti chakanga chiri pangozi yekusabhadharwa. Iyo SEC inogona kukumbira masangano kuti ape nzira dzavo dzekudzokorora. Inogona kubvisa sangano rinopa maitiro asina kunaka.
6. Kudzora Makadhi Ekubhengi, Marikero uye Mari. Bhuku reV Consumer Financial Protection Bureau rakasimbisa mabasa ehurumende dzakasiyana-siyana. Inotarisira masangano ekubika zvikwereti uye makadhi echikwereti uye debit . Inotarisawo mari yekubhadhara zuva uye yevatengi , kunze kwemari yemotokari kubva kune vatengesi. ICFPB inoronga mari yechikwereti, kusanganisira chikwereti, kubhadhara, kubhadhara chikwereti pasi uye kubhadhara mari . Inodzivirira vashandi vekumba vachida kuti vanzwisise risky mortgage loans . Inodawo mabhengi kuti ave nechokwadi chemukwereti wemari, chikwereti chekwereti uye mamiriro emabasa. ICFPB iri pasi peUnited States Treasury Department .
Chirongwa chaTrump chichizogadzirisa sangano semutungamiri wevanhu vazhinji. Izvi zvinotenderawo mutungamiri wehurumende kuti abvise mutungamiriri webazi kune chero chikonzero. Ichishandura mari yayo kubva kuFederal Reserve kuenda kuCongress.
7. Kuwedzerwa Kuongororwa Kwekambani Inishuwarenzi. Dodd-Frank akasika imwe Federal Federal Office pasi peDhipatimendi reMari. Inotsanangura makambani einishuwarenzi anoita ngozi kune iyo yose sangano, seAIG yakaita. Iyo inounganidzawo mashoko pamusoro pekambani yveshuwarisi. Inogutsikana kuti inshuwarisi inobhadharwa inowanikwa kune vashoma uye mamwe mimwe misha isina kukodzera. Inomiririra United States pane inshuwarisi mitemo mumitambo yenyika dzakawanda. Trump's executive order inogona kurega kutarisa kumakambani matatu makuru einishuwarenzi, kusanganisira AIG.
IFIO inoshanda nehurumende kuti ichinje kugadziriswa kwemitemo yakawanda yeinishuwarenzi uye reinsurance. MunaDisemba 2014, yakashuma kukanganisa kwemakambani ekutsigira reinsurance kuCongress.
8. Reforms the Federal Reserve. Dodd-Frank akapa Hurumende yeGwaro Rekuzvidavirira masimba matsva. Kunyange zvazvo Fed yakashanda pamwe neChipo cheHurumende panguva yematambudziko ezvemari, GAO yakarongedza mari yeDhese yekukurumidzira yakaitwa munguva yechinetso . Inogona kutarisa zvikwereti zvinotarisirwa munguva yemberi kana zvichidiwa. Dhipatimendi reMariki inofanirwa kubvumirana chero zvikwereti zvitsva zvinokonzerwa nokukurumidza Icho chinoshanda kumasangano asina kuroorwa, se Bear Bear kana AIG . Dhaka yakaratidza mazita emabhanki akawana zvikwereti kana TARP mari .
Kuwedzera Kuchinja muTrump's Plan
Mushumo weMariki zvakare wakataurawo zvimwe shanduko dzisina kutaurwa pamusoro apa. Izvozvo zvingaderedza zvinodikanwa zvebhangi kudzvinyirira test s kubva gore negore kusvika kumakore maviri ose. Iyi miedzo inotaurira Federal Reserve kana bhangi ine mari yakakwana kuti ichengete dambudziko rezvemari.
Yakaratidza kuti inofanirwa kugadzirisa Community Reinvestment Act. Mutemo iwoyo unoda mabhengi kuti akweretese zvichienderana nemari yemhuri pasinei nokuti inharaunda iri chii. Pamberi peMutemo, mabhangi "aizowedzera" nzvimbo dzose dzisina ngozi. Izvozvo zvaireva kuti vaizoramba maranho kunyange kumhuri dzine mari yakawanda mukati memunharaunda iyoyo.
Mharidzo inoratidzira kusunungura mabhengi ane mari yakawanda kubva kune dzimwe Dodd-Frank mitemo. Izvi zvinoreva kubatsira mabhanga maduku. (Zvinyorwa: "Dodd-Frank Wall Street Reform Act," US Senate. "Chidimbu cheDodd-Frank Reform Act," Morrison & Forster. "