Nzira dzeCFSB dzinokuchengetedza iwe uye iwe usingazvizivi
Bhizinesi yakanyora mitemo yekuchengetedza user-kuchengetedzwa kwevashandi vemari.
Zvinonyanya kukosha, iyo inobhadhara chikwereti kune vanokwereta vanoputsa mitemo yayo. Iyo inopawo mvumo yokuti kukakavadzana kwemakwereti kunobvumirwa kuenda kumatare, kwete kungobvumirana. Iyo yakagadziriswa yakawedzera Federal Deposit Insurance Corporation inshuwarheni pamabhangi ekubhadhara ku $ 250,000.
ICFPB inodzivirirawo vatengi mumisha yekutengesa maimba. Icho chinosanganisira musoro, mazoro uye mabhizinesi emari anobatanidzwa nevatori uye vadzidzisi vemisha. Inotarisa chikamu chakaenzana chikwereti uye imba yakanaka. Inogadzirisawo mitemo yezvipo zvose zvekutengesa. Asi, hazvibvumi kutora zvikwereti zvemari, sezvikwereti-chikwereti chete.
Bhisho rinodzora risky mortgage zvinodhaka sezvikwereti -chete chikwereti . Zvinoda mabhengi kuti aratidze kuti vakwereta vanonzwisisa ngozi. ICFPB inoitawo mabhangi kuongorora mari yevashandi, chikwereti chekwereti uye mamiriro emabasa. Inoshuma kuDhipatimendi reMari .
Musi waNovember 24, 2017, mukuru weBurumende Richard Cordray akasarudza.
Cordray angamhanyira mubati weimba yake yeOhio. Akatumidza vamiririri mukuru, Leandra English, semutungamiriri wekutungamirira. Mutungamiri Trump akasarudza Mick Mulvaney, mutungamiriri weHofisi yeHurumende neBabhadha, kune iyo nzvimbo. Mukupindura, shanduro yakatsigira mutungamiri weTrump. Mulvaney akaraira zuva remazuva 30 kubhadhara pakubhadhara uye kubudisa mitemo mitsva.
Dodd-Frank inogadzirisa mitemo inoti mutevedzeri mutungamiri anofanirwa kutora mutungamiriri weBurs kana achirega. Mutungamiri ane kodzero yekugadza mutungamiriri mutsva, asi anofanira kubvumirwa neCongress asati atora mahofisi.
Zvakaitwa neBhodhi
Kubvira muna 2011, Bhisho yakadzorera $ 12 mabhiriyoni kusvika kumamiriyoni makumi maviri nevatengi vaitengesa nemabhizimisi emari. Somuenzaniso, yakamanikidza Citibank kuti ipe $ 700 mamiriyoni mubhadharo. Iko bankhad yakatsausa vatengi mukutenga zvisingadikanwi kubhavha kudzivirira.
Bhodhi yakawanikwa Wells Fargo yakavhura pakavanda mari isina kubvumirwa uye makadhi emakadhi echikwereti emamiriyoni evatengi vayo. Vashandi vakanga vazarura mabhuku uye vakashandisa mari pasina ruzivo rwevatengi. Vakaita izvi kuti vawane zvinangwa zvekutengesa. Bhizimisi raida Wells Fargo kubhadhara zvakakwana kune vakaurayiwa. Yakapedzawo Wells Fargo $ 100 mamiriyoni, uye yakakumbira kubhadhara $ 85 mamiriyoni kune vamwe vatongi.
Bhodhi yakashandisa Credit Card Act ye 2009 . Yakagadzirisa kuchengetedza gumi kwevashandi vekadhi rechikwereti. Dzinosanganisira:
- Hapana chido chekufarira chinowedzera gore rokutanga.
- Bhengi haigoni kusimudza mitero pachiyero chiripo kunze kwekuti iwe warasikirwa nemari mbiri kana kupfuura. Kana mitero inowedzera, haikwanisi kudzorerwa zvakare kune zviyero zvakagara zviriko kana pane zviyero zvipi zvawakangobva kuribhadhara.
- Maripo inoshandiswa kune zviyero nezvikwereti zvinotanga kufarira kutanga.
- Bhengi inofanira kukuudza mazuva makumi mashanu vasati vakura chirwere. Iyo mwedzi yakareba kupfuura yekare yekare yezuva 15.
- Mabhandi haakwanisi kupa mari pamari yakawanda kupfuura 50 muzana pane chikwereti chako chemari.
- Mitsara yebhadharo inofanira kutumirwa mazuva makumi maviri isati isati yasvika kubhadhara zuva rakakodzera. Maripo inenge iripo panguva chero bedzi iyo inogamuchirwa ne5 masikati pazuva rakakodzera. Mishonga yakagadzirwa zuva rinotevera vhiki revhiki kana hovha iriwo panguva.
Bhodhi yakagadzirawo dhidhiyo yemvumo yemakadhi echikwereti. Inobvumira vanokwereta kufananidza zvibvumirano pakati pezana remakadhi emakwereti.
Bhizinesi rakatangwa "Ziva Usati Waita." Iko yakabatanidza maviri federally inoda kuti zvikwereti zvinyorwa zvive mune imwe fomu iri nyore. Izvo zvinoita kuti mari uye zvikanganiso zvechikwereti zvive pachena uye inobvumira vashandisi kugadzirwa kwekuenzanisa.
Izvo zvinoita kuti zvive nyore kune vakakwereta kuti vanzwisise ngozi uye mari yekudzivirira overdraft. Bhodhi yakawana kuti vakwereta vanoshandisa kuvhara kweredraft kubhadhara madhora mazana mana emari.
Muna 2017, Bhizimisi yakamira kubhadhara chikwereti chemari chikwereti. Zvaida kuti vateresi ivavo vatarise mberi kana vakwereta vane kodzero yekudzorera zvikwereti. Iyo inodzivirira vatengesi ava kubvisa kukwikwidzana kubva kumabhengi ebhengi akwereta.
Muna 2013, CFPB yakagadzirisa mitemo yepamusika wemari. Yaiita kuti vateresi vaone kuti vateresi 'vanowana mari.' Izvi zvakaodza mwoyo kutanga "teaser rates" nokuti vazhinji vanokwereta subprime vakabviswa-varindi apo iyo mitengo yakasimudzirwa mugore rechitatu rechikwereti.
Bhodhi yakabudisa mitsara pa:
- Iko kunokonzerwa neCARD Act.
- Izvo zvikwereti zvikwereti zvaunowana iwe zvinogona kunge zvakasiyana nezvakapiwa kubhangi.
- Mabhengi angashandise sei ruzivo rwako rwekushandura kwemari yavanoshandisa apo iwe unoshandiswa pasi rose mari.
- Mushumo wekufambira mberi pamusoro pezvawakaita kusvika nhasi.
Iyo Trump Inoputira Bhii
Republicans in Congress vanoda kuderedza Bhosi sechikamu chekubviswa kwavo kwaDodd-Frank. Vanoti mitemo yayo nemhosva zvinotambudza mabhizinesi, kunyanya mabhangi maduku. Vapikisi vaBhogi vanopesanawo kuti nzvimbo yemutungamiriri haisi maererano nepamutemo. Ndizvo zvaanogona kungodzingwa nemutungamiri wenhepfenyuro kana kuti kusaremekedza.
Trump akasarudzwa Budget Mutungamiri Mick Mulvaney semutungamiri weBhodhi. Iye ari kuderedza Bureau. Mulvaney mumwe wevashandi veBrosi. Muna 2014, akaritumidza kuti joke. Anotenda kuti kuzvimiririra kune ngozi. Asi vusiki varo vakati Bureau inoda hurumende kuti ichengetedze maitiro ayo.
Muna 2018, Imba yeVamiririri yakabudisa bipartisan bill iyo yaizoshandura nzvimbo yemutungamiri nenhengo shanu nhengo. Mutungamiri aigona kusarudza nhengo dzemitemo, asi hapana kana kupfuura vatatu vanogona kubva kune imwe nhengo. Mutemo uyu haufaniri kupfuura Senate.
Muna 2017, maRepublicans akatanga mutemo wekuwana humwe hutongi pamusoro peBhodhi. Mutemo uyu waizopa mutungamiri simba rokupisa mutungamiriri chero chikonzero. Inogonawo kuchinja bhajeti yeBrozinesi kubva kuGerald Reserve kusvika kuCongress.
Musi waJune 13, 2017, Munyori weHurumende yeUnited States Munyori Steve Mnuchin wakabudisa mushumo wakaita shanduko kuna Dodd-Frank. Mharidzo iyi yaiva mukupindura kwehutungamiri wehutungamiri Mutungamiri Trump akapinda musi waFebruary 3, 2017. Chirongwa chacho chaizogadzirisa Bhisho senhengo dzakawanda-nhengo. Kufanana neNyaya yeDzimba, inobvumira mutungamiri kubvisa mutungamiriri wechinangwa chero chipi zvacho. Icho chinogona zvakare kugadzirisa mari yeBhishopi kubva kuFederal Reserve kuenda kuCongress.
Musi waOctober 24, 2017, Senate yakasarudza kubvisa mutemo mutsva wakagadzirwa neBhodhi. Mutemo ungadai wakaita kuti vatengi vabvunze mabhangi uye makambani ekadhi rechikwereti. Pane kudaro, Senate inotsigira kodzero dzebhangi 'kumanikidza kugadzirisa vatengi.
Basa raElizabeth Warren mukuumba CFPB
Senetare uye aimbova purofesa weHarvard Law Elizabeth Warren aiva muvambi weBrosi. Ave ari mhare yekodzero dzevatengi kubva muna 2007 . Ndiko paakaona kuregererwa kwebasa kwakabatsira mabhanga uye kuisa vatengi pangozi. Anofunga kuti mabhanga haafaniri kubvumirwa kuti ave " akakurumbira kuti asakundikana ." Akatsigirawo kubhadhara zvikwereti zviri nyore kunzwisisa.
Muna 2010, Mutungamiri Obama akamutumidza kuti Mubatsiri weMutungamiri uye Mumiririri Akakosha kuMunyori wePainari paCFPB kuti awane mahofisi uye aite. Asi Republican majority muHarare yakavhota pamusoro pekugadzwa kwake saMukuru weBhodhi.
Muna 2010, mutungamiriri wepafirimu Ron Howard akatsigira mutemo wacho nemavhidhiyo maviri e-internet. Mumwe akataura pamusoro pekubhadhara kwakavanzika kwekadhi kadhi rechikwereti uye imwe yekugadzira Consumer Financial Protection Agency pachayo.