Nhepfenyuro Dzemari Reform Reform, Recovery, uye Enforcement Act
W. Schilling, "US Ushandisa Subpoenas Paka 1989 Rakaita seNew Tool yekuongorora Probe Financial Firms," Reuters , January 3, 2013)
FUNGA pamwe neKunetsa Kwemari uye Mari
Congress yakapfuura FIRREA musi waAugust 9, 1989, kuti ipindure kune Crisis Savings and Loan Crisis . Yakapa $ 50 mabhiriyoni kuvhara mabhidha akakundikana uye kumirazve kurasikirwa. Yakagadza sangano rehurumende idzva rainzi Resolution Trust Corporation kutengesa S & L mari, kunyanya dzimba, nekushandisa mari yekubhadhara vanoisa mari.
Sei zvakatora mutemo chaiwo weCongress kuzogadzirisa dambudziko iri rebhangi? Inopfuura hafu yebhanga reAngacheng uye Loan mabhizimisi rainge risina kukwana. Federal Savings and Loan Insurance Corporation yakashandisa madhora mabhiriyoni makumi maviri nemaviri ekuchengetedza mabheji emabhengi asina kukwana. Izvozvo zvakaibvisa. Pasina FIRREA, vanoisa mari muS & Ls vasina kukanganisa vangadai vakarasikirwa nemari yavo.
FIRREA akachinja zvakare mitemo yekuchengetedza uye mari yekubhadhara kuti ibatsire kudzivisa zvimwe zvikwereti zvisiri izvo uye unyengeri.
(Kubva: " Kuda Kwekuchengetedza uye Kuwana Mari uye Ukama Hwayo KuBhengi ," FDIC )
Kuti FIRREA Inoshandiswa Sei Nhasi
FIRREA ikozvino inoshandiswa muDhipatimendi reRuramisiro pakuongorora zvikwereti zvisingabhadhari mabhengi nhasi. Ndiko nokuti Chikamu 951 chinopa vatongi kuti vanokwanisa kuratidza mutoro wechiratidzo chinodiwa kumatare evanhu, kwete mhosva.
Izvozvo zvinoreva kuti ivo chete vanofanira kuratidza "kupesana kwehuchapupu" panzvimbo ye "kunze kwekusava nechokwadi kunonzwisisika."
TARIRA kuwedzera kushanda kweMutemo Reinvestment Act . Yakatsvaga kubvisa kubhangi "kuchenesa" kwevavakidzani vasina urombo, izvo zvave zvakakonzera kukura kweghettos muma1970. Vatongi vari kuisa pachena mabhengi nezvekuti zvakanaka sei "nzvimbo dzakasvibirira". Fannie Mae naFreddie Mac vakavimbisa mabhengi kuti vaizochengetedza zvikwereti izvi zvepa subprime. Yaiva "kuvhota" chinhu chakakurudzira "kusvitsa" chikonzero cheRCA.
Dhipatimendi reRubatsiro rakabudirira kushandisa FIRREA kushora mabhengi ayo akaita zvikwereti zvakaipa munguva ye subprime mortgage crisis. Mabhanga matanhatu makuru akaripira $ 108 mabhiriyoni muhomwe. Vaifanirawo kutengesa mabhiriyoni emabhiriyoni akaipa ekuchengetwa kwemari kutengeswa kune vatengesi pamusika wechipiri. FIRREA yaishandiswawo kushusha sangano reEast & Poors kuti vaiti zvikwereti zvakaipa zvaive mari yakachengeteka.
FIRREA inobvumira hurumende kupa zvinyorwa zvese zvainoda uye kudana zvapupu, kusanganisira munhu ari kuongorora. Uchapupu hwakaunganidzwa pasi pemhosva dzehurumende dze FIRREA hunogona kushandiswa mune chero mhosva inotevera inopomerwa mhosva. Hurumende inogonawo kutsvaga ani zvake angangokuvadza bhizinesi rezve federal-insured, kusanganisira bhengi pacharo.
(Chinyorwa: Peter J. Henning, "US Inowana Kushandiswa Kwakashandiswa KweShoko Rinoshandiswa-Rinoshandiswa Mumutauro weCompprime Case," NYT Dealbook , August 11, 2014)
Muna 2014, vatongi vezvematongerwo enyika uye vezvematongerwo enyika vakatevera mahara epriprime auto. Subpoenas yakabudiswa kune GM Financial uye Santander Consumer vachikumbira magwaro ane chokuita nekuputsa kwe FIRREA. Izvi, nezvimwe, mabhengi angangodaro akabudisa zvikwereti zvemari kune vanokwereta avo vachangobva kutumira kubhadhara, zvichida vaine chikwereti chakashata, kana kuti yaiva yemotokari yaive yakajeka "mandimu." (Mucherechedzo: John Carney, "Zvisikwa Zvinotyisa Zvichitsvaga Kwevatengesi Vokutengesa," Wall Street Journal , February 11, 2015)