H.R. 4173 Full Titles

Dodd-Frank Wall Street Reform and Consumer Protection Act

Title Summary Table of Contents

Title I – Financial Stability

1.1.      The Establishment of the Oversight Council

1.1.1.     What Entities Are Impacted and How?

1.1.2.     What Is the Oversight Council and What Are Its Responsibilities?

1.1.3.     Treatment of Certain TARP Recipients as Significant Nonbanks

1.1.4.     Oversight Council Recommendations to the Fed Regarding Enhanced Supervision and Prudential Standards for Large BHCs and Significant Nonbanks

1.1.5.     Reporting Requirements

1.1.6.     Oversight Council Recommendations to Financial Regulatory Agencies Regarding Systemic Concerns

1.1.7.     Oversight Council Study Regarding the Effects of Size and Complexity of Financial Institutions

1.2.      The Fed's New Authority In Regard to Financial Stability

1.2.1.     Fed Required to Adopt Enhanced Supervision and Prudential Standards for Large BHCs and Significant Nonbanks

1.2.2.     Early Remediation Requirements for Companies

1.2.3.     How Can A "Grave Threat" to U.S. Financial Stability Posed by a Company be Addressed?

1.2.4.     New Requirements Regarding Acquisitions

1.2.5.     Expanded Application of Interlocks Prohibitions

1.2.6.     Expanded Examination Authority for the FDIC

1.2.7.     Timing of Issuance of Final Regulations

1.3.      Leverage and Risk-based Capital Requirements

1.3.1.     Leverage Capital Requirements

1.3.2.     Risk-based Capital Requirements

1.3.3.     Treatment of Investments in Financial Subsidiaries

1.3.4.     Effective Dates

1.3.5.     Capital Requirements to Address Activities that Pose Risks to the Financial System

1.3.6.     Study Regarding Small Institution Access to Capital

1.4.      Establishment of the OFR

Title II – Orderly Liquidation Authority

2.1.      Companies Eligible for Orderly Liquidation

2.2.      Process for Designating a Covered Financial Company for Orderly Liquidation

2.2.1.     Recommendation of the Fed and the FDIC Regarding a Receivership to the Treasury Secretary

2.2.2.     Determination for Receivership by the Treasury Secretary

2.2.3.     Notice to Covered Financial Company; Judicial Approval

2.3.      Principles Governing Orderly Liquidation

2.4.      Obligations of the FDIC as Receiver

2.5.      Dismissal and Exclusion of Other Actions Involving the Covered Financial Company

2.6.      Rulemaking by the FDIC Regarding Receiverships

2.7.      Powers and Duties of the FDIC

2.7.1.     General Powers

2.7.2.     Operation of the Covered Financial Company

2.7.3.     Merger; Transfer of Assets and Liabilities

2.7.4.     Payment of Valid Obligations

2.7.5.     Treatment of Shareholders and Creditors of the Covered Financial Company

2.7.6.     Suspension of Legal Actions

2.7.7.     Limitation on Judicial Review

2.7.8.     Objectives in the Disposition of Assets

2.7.9.     Fraudulent Transfers, Preferential Transfers, Setoffs

2.7.10.   Attachment of Assets and Other Injunctive Relief

2.7.11.   Priority of Claims

2.7.12.   Treatment of Similarly Situated Creditors

2.7.13.   Valuation of Claims; Discretion to Make Additional Payments

2.8.      Determination of Claims Against the Covered Financial Company

2.8.1.     Notice to Creditors

2.8.2.     FDIC Response to Claims; Recognition of Secured Claims

2.8.3.     Treatment of Undersecured Claims

2.8.4.     Judicial Determination of Claims

2.8.5.     Agreements Against the Interest of the FDIC

2.8.6.     Payment of Claims

2.9.      Treatment of Contracts Entered Into Prior to Appointment of the Receiver; Authority to Repudiate

2.9.1.     General Authority to Repudiate Contracts

2.9.2.     Claims for Damages for Repudiation

2.9.3.     Treatment of QFCs

2.9.4.     Certain Security Interests Are Not Avoidable

2.9.5.     Authority to Enforce Contracts

2.9.6.     Contracts to Extend Credit to a Covered Financial Company

2.9.7.     Limitation on Court Action

2.9.8.     Claims Against Directors and Officers

2.10.    The FDIC's Authority to Establish Bridge Financial Companies

2.10.1.   Structure of a Bridge Financial Company

2.10.2.   Term of a Bridge Financial Company

2.10.3.   Borrowings by a Bridge Financial Company

2.11.    Orderly Liquidation Fund

2.11.1.   Orderly Liquidation and Repayment Plans

2.11.2.   Assessments on Eligible Financial Companies

2.12.    Required Liquidation of Companies in Receivership; Prohibition on Taxpayer Funding

2.13.    Unenforceability of Certain Agreements

2.14.    Prohibition on Asset Sales to Certain Persons

2.15.    Recovery of Compensation from Senior Executives and Directors

2.16.    Inspector General Reviews

2.17.    Study on Secured Creditor Haircuts

2.18.    Study on the Bankruptcy Process for Large BHCs and Significant Nonbanks

Title III – Transfer of Powers to the Comptroller of the Currency, the Corporation, and the Board of Governors

3.1.      Transfer of OTS Functions

3.1.1.     Interim Operations

3.2.      Transfer of OTS Duties

3.2.1.     Federal Savings Institution Supervision to the OCC

3.2.2.     State Savings Associations to the FDIC

3.2.3.     SLHCs Supervision to the Fed

3.2.4.     Rulemaking Authority For Tying Arrangements and For Transactions With Affiliates and Insiders to the Fed

3.2.5.     Staff Transfer

3.3.      De Novo Branching for Converted Savings Associations

3.4.      Revise Assessment Base for FDIC Insurance

3.5.      Insured Deposit Amount Permanently Increased to $250,000; Extension of Unlimited Insurance of Noninterest Transaction Accounts

3.6.      Elimination of Procyclical Assessments

3.7.      Establishment of Office of Women and Minority Inclusion at Financial Regulatory Agencies and each Federal Reserve Bank

Title IV – Regulation of Advisers to Hedge Funds and Others

4.1.      Registration of Advisers to Private Funds

4.1.1.     Preservation of Exemption for Banks and BHCs Acting as Investment Advisers

4.1.2.     Exemption from Registration Applicable to Family Offices

4.2.      Recordkeeping and Reporting Obligations

4.3.      Custody of Client Accounts

4.4.      Increased Net Worth Thresholds for Private Fund Investors

4.4.1.     Adjustment of Accredited Investor Threshold

4.4.2.     Adjustment of Qualified Client Threshold

4.5.      Comptroller General Study on SRO for Private Funds

4.6.      SEC Study and Report on Short Selling

Title V – Insurance

5.1.      What Entities are Impacted and How?

5.1.1.     Impact of the Office

5.1.2.     Impact of State Regulatory Reform

5.1.3.     Impact of Other Provisions of the Act

5.2.      New Federal Insurance Office

5.2.1.     Functions

5.2.2.     Information Gathering Powers

5.2.3.     Preemption of State Insurance Measures

5.2.4.     Reports to Congress

5.2.5.     Study and Report on Regulation of Insurance

5.2.6.     General Provisions

5.3.      Negotiation of International Insurance Agreements

5.4.      State-Based Insurance Reform

5.4.1.     Nonadmitted Insurance

5.4.2.     Reinsurance

Title VI – Improvements to Regulation of Bank and Savings Association Holding Companies and Depository Institutions

6.1.      Moratorium on New Nonbank Banks and on Change in Control of Nonbank Banks

6.1.1.     Exceptions

6.1.2.     Study of Whether the Nonbank Bank and Savings Institution Exceptions Should Be Eliminated

6.2.      Enhanced Supervision of Holding Companies

6.3.      Consideration of Risks to Banking and Financial System in Application Decisions

6.4.      Prior Approval Required for Financial Holding Companies to Acquire a Company with Consolidated Assets of More than $10 Billion

6.5.      BHCs Required to be Well Capitalized and Well Managed to Become and Remain Financial Holding Companies

6.6.      Consistent Oversight of Depository Institution Holding Company Subsidiaries

6.6.1.     Coordination with State Authorities

6.7.      SLHCs Empowered to Conduct the Same Activities as Financial Holding Companies

6.8.      Intermediate SLHC May be Required

6.8.1.     Source of Strength

6.8.2.     Fed Examination and Enforcement Authority

6.9.      Stricter Requirements for Interstate Acquisitions

6.10.    Nationwide Liability Concentration Limit for Acquisitions

6.10.1.   Exception to Concentration Limit

6.10.2.   Oversight Council Study and Fed Regulations

6.11.    Interstate Mergers Prohibited where the Acquiror Would Control 10 Percent or More of U.S. Deposits

6.12.    Section 23A and 23B Coverage Expanded

6.12.1.   New Types of Covered Transactions

6.12.2.   The Fed May Issue Regulations Defining "Credit Exposure" and Regarding the Treatment of Netting Arrangements

6.12.3.   New Procedures for Exemptions from 23A and B.

6.12.4.   Elimination of Exceptions for Transactions with Financial Subsidiaries

6.13.    Stricter Lending Limits

6.13.1.   National Bank Lending Limits

6.13.2.   State Lending Limit Treatment of Derivatives

6.14.    Restrictions on Transactions with Insiders

6.14.1.   Expanded Lending Limits to Insiders

6.14.2.   Limitations on Purchases or Sales of Assets With Insiders

6.15.    Restriction on Depository Charter Conversions by Troubled Institutions

6.16.    De Novo Branching into States

6.17.    Capital Requirements for BHCs and SLHCs and Insured Depository Institutions

6.17.1.   BHC and Depository Institution Countercyclical Capital Principles

6.17.2.   SLHC Capital Requirements

6.18.    Source of Strength Doctrine

6.18.1.   "Source of Strength" Defined

6.19.    Securities Holding Company Supervision

6.19.1.   Elimination of SEC-Supervised Elective Investment Bank Holding Company Framework

6.19.2.   Fed Supervised Securities Holding Companies

6.20.    The Volcker Rule

6.20.1.   Banking Entities Covered by Volcker Rule Prohibitions

6.20.2.   Prohibited Proprietary Trading Activities

6.20.3.   Limitations on Otherwise Permitted Proprietary Trading Activities

6.20.4.   Investments in, and Sponsorship of, Hedge Funds and Private Equity Funds Limited

6.20.5.   Oversight Council Study of the Implementation of the Volcker Rule

6.20.6.   Rulemaking

6.20.7.   Effective Date, Two Year Transition Period, Possibility for Further Extensions

6.20.8.   Potential Increased Capital Requirements for Banking Entities Participating in Proprietary Trading or Fund Activities

6.20.9.   Increased Capital Requirements for Significant Nonbanks

6.20.10. Prohibitions and Restrictions Applied to Transactions between Banking Entities and Advised or Managed Funds

6.20.11. Compliance Requirements; Termination of Activities

6.21.    Study of Bank Investment Activities

6.22.    One Year Prohibition on Conflicts of Interest in Securitizations

6.23.    New Penalties for Violating the Qualified Thrift Lender Test

6.24.    Treatment of Dividends by Certain Mutual Holding Companies

6.25.    Interest-Bearing Transaction Accounts Authorized

Title VII – Regulation of Over-the-Counter Swaps Markets

7.1.      Prohibition Against Federal Government Bailouts of Swaps Entities (the "Swap Push-out Rule")

7.1.1.     What Depository Institutions are Affected by the Swap Push-out Rule?

7.1.2.     What other Exemptions are Available from the Swap Push-out Rule?

7.1.3.     Can a Depository Institution Permissibly Establish an Affiliate to Operate as a Swaps Entity?

7.1.4.     Prohibition on Use of Taxpayer Funds to Prevent Receivership of Swaps Entities

7.1.5.     What Additional Rulemaking is Required Under the Swap Push-out Rule?

7.1.6.     When Does the Swap Push-out Rule Go Into Effect?

7.1.7.     How Does the Swap Push-out Rule Address Existing Swaps a Bank Entered Into Before Enactment of the Act?

7.2.      Jurisdiction over OTC Derivatives

7.2.1.     What OTC Derivatives are Covered?

7.2.2.     Are Foreign Exchange Swaps and Forwards Still Excluded from CFTC and SEC Jurisdiction?

7.3.      Impact on Banks and Dealers

7.3.1.     What Types of Banks and Dealers are Covered?

7.3.2.     Can Banks and Dealers Engage in Swap Activities Without Being Deemed a "Swap Dealer"?

7.3.3.     What are the Consequences of Being a Swap Dealer?

7.3.4.     What are the new Regulatory Capital and Margin Requirements for Swap Dealers?

7.3.5.     What Reporting and Record-keeping Obligations do Swap Dealers face?

7.3.6.     What Business Conduct Standards Will Apply to Swap Dealers?

7.3.7.     What Special Requirements do Swap Dealers Face when acting as Advisors to Special Entities?

7.3.8.     What Special Requirements do Swap Dealers Face as Counterparties to Special Entities?

7.4.      Scope of Jurisdiction over Major Swap Participants and Commercial End Users

7.4.1.     What is a Major Swap Participant?

7.4.2.     What is a "Substantial Position" in Swap Transactions?

7.4.3.     What Regulatory Capital and Margin Requirements will apply to Major Swap Participants?

7.4.4.     What Reporting and Record-keeping Obligations Will Apply to Major Swap Participants?

7.4.5.     Do Major Swap Participants Face New Business Conduct Standards?

7.4.6.     How does the Act Affect Commercial End Users?

7.5.      Clearing Requirements

7.5.1.     What are the Clearing Requirements for Swaps?

7.5.2.     What are the Requirements to Qualify as a DCO?

7.5.3.     Can Parties Enter into Swaps that are not Cleared?

7.5.4.     What is a Swap Data Repository or "SDR" ?

7.5.5.     Are Existing Swap Transactions Required to be Cleared?

7.6.      Exchange Trading of Swaps

7.6.1.     What Swaps are Required to be Traded on an Exchange?

7.6.2.     What is a "Swap Execution Facility"?

7.7.      Rulemaking on Conflicts of Interest

7.7.1.     What Safeguards are in place to Mitigate Conflicts of Interest in DCOs, SEFs and Contract Markets?

7.8.      Public Reporting of Swap Transaction Data

7.8.1.     Will Swap Transaction Data be Publicly Available?

7.8.2.     What Swap Transaction Information will the Commissions Publish?

7.9.      Segregation of Client Funds

7.9.1.     What Segregation Protections must Swap Dealers Provide for Cleared Swaps?

7.9.2.     What are the Segregation Requirements for Uncleared Swaps?

7.10.    Extraterritorial Jurisdiction of the CFTC and SEC

Title VIII – Payment, Clearing, and Settlement Supervision

8.1.      Designation of a Utility or Activity as Systemically Important

8.1.1.     Selection Procedure

8.1.2.     Selection Criteria

8.2.      Prudential Standards

8.2.1.     Scope

8.2.2.     Thresholds for Standards

8.3.      Access to Fed Discount Window and Similar Borrowing Privileges

8.4.      Supervision

8.4.1.     Examination and Enforcement Regarding Designated Utilities

8.4.2.     Examination and Enforcement Regarding Participants

8.5.      Oversight Council Information Requests

8.6.      Other Information Requests

8.7.      Rulemaking Authority

8.8.      Effective Date

Title IX – Investor Protections and Improvements to the Regulation of Securities

9.1.      Investor Protection Initiatives

9.2.      SEC Studies and Rulemaking

9.2.1.     Fiduciary Duty and Duty of Care of Brokers, Dealers and Investment Advisers to Customers

9.2.2.     SEC Study of Investor Financial Literacy

9.2.3.     Comptroller General Study of Mutual Fund Advertising

9.2.4.     Comptroller General Study of Potential Conflicts of Interest Within Firms

9.2.5.     Comptroller General Study on Securities Litigation

9.2.6.     SEC Rulemaking for Paying Agents of Missing Security Holders

9.2.7.     Reports to SEC on Cancelled Securities

9.3.      Streamlined Self Regulatory Organization Rulemaking

9.4.      SEC Point of Sale Rulemaking Authority

9.5.      Enforcement

9.5.1.     Imposition of Deadlines

9.5.2.     Authority To Restrict Mandatory Pre-Dispute Arbitration

9.5.3.     Whistleblower Protection

9.5.4.     SEC Granted Ability To Serve Subpoenas Nationwide

9.5.5.     Enhanced and Clarified Authority To Prosecute and Seek Remedies for Violation of the Securities Laws

9.6.      Securities Investor Protection Corporation Reforms

9.7.      Short Sale Reforms

9.8.      SEC and Other Agencies May Share Information without Waiving Privilege

9.9.      Enhanced Application of Antifraud Provisions

9.10.    Improvements to the Regulation of Credit Rating Agencies

9.10.1.   Mitigation of Conflicts of Interest at NRSROs

9.10.2.   Additional Penalties and Potential Liabilities for NRSROs

9.10.3.   Oversight of NRSROs; Improvements to Transparency

9.10.4.   Reducing Federal Agency Reliance on Credit Agencies

9.10.5.   Timing, Additional Studies and Reports

9.11.    Improvements to the Asset-Backed Securitization Process

9.11.1.   General Requirements for Risk Retention

9.11.2.   Exemption for Qualified Residential Mortgages; Other Exemptions

9.11.3.   Required Issuer Due Diligence

9.11.4.   Required Issuer Disclosures

9.12.    Corporate Governance and Executive Compensation

9.12.1.   Shareholder Vote on Executive Compensation

9.12.2.   Disclosure and Vote on Golden Parachutes

9.12.3.   Shareholder Votes Are Nonbinding

9.12.4.   Disclosure of Votes by Institutional Investment Managers

9.12.5.   Exemptions

9.12.6.   Compensation Committee Independence

9.12.7.   Disclosure of Pay versus Performance

9.12.8.   Comparing the CEO's compensation to the employees

9.12.9.   Disclosure of Hedging Arrangements

9.12.10. Clawback or Recoupment of Executive Compensation

9.12.11. Incentive Compensation by Financial Institutions that is deemed "excessive" or could be deemed to cause risky behavior

9.12.12. Restrictions on Voting by Brokers

9.12.13. Proxy Access

9.12.14. Disclosures Regarding Chairman and CEO Structures

9.13.    PCAOB Authority

9.14.    Portfolio Margining

9.15.    Securities Lending

9.16.    Comptroller General Study of Proprietary Trading

9.17.    Improvements to the Management of the SEC

9.18.    Municipal Securities

9.18.1.   Registration of Financial Advisors

9.18.2.   Reorganization of the Municipal Securities Rulemaking Board

9.18.3.   Comptroller General Study of Disclosure in the Municipal Markets

9.18.4.   Comptroller General Study of the Municipal Securities Markets

9.18.5.   Funding for GASB

9.18.6.   Creation of an Office of Municipal Securities within the SEC

9.19.    Comptroller General Study of Proprietary Trading

9.20.    Senior Investor Protection Grants

9.21.    Comptroller General Study Regarding Exemption for Smaller Issuers

9.22.    Custodians of Investment Company and Adviser Client Assets

9.23.    SEC Match Funding

9.23.1.   What Entities are Impacted and How?

9.24.    Exemption for State-Regulated Equity-Indexed Annuities

9.24.1.   What Entities are Impacted and How?

Title X: Bureau

10.1.    Establishment of the Bureau

10.1.1.   How will the Bureau be Organized

10.1.2.   Transfer of Duties of Financial Regulatory Agencies; Bureau Transfer Date

10.1.3.   Transfer of Functions of the FTC

10.1.4.   Transfer of Functions of the HUD

10.1.5.   General Principles Regarding Transfers

10.1.6.   Independence

10.1.7.   Funding

10.2.    What are the Duties of the Bureau

10.2.1.   Consumer Financial Product or Service

10.3.    Rulemaking Authority

10.3.1.   Consultation with Other Regulators

10.3.2.   Exemptions

10.3.3.   Oversight Council Review of Regulations

10.4.    Studies and Reports

10.5.    Collection of Information

10.6.    Sharing of Examination Reports

10.7.    Registration Requirements

10.8.    Supervision of Covered Persons

10.9.    Supervised Nondepository Entities

10.9.1.   Participants in Mortgage Lending

10.9.2.   Larger Participants in Markets for Other Consumer Financial Products or Services

10.9.3.   Designated Nondepositories

10.9.4.   Private Education Lenders

10.9.5.   Payday Lenders

10.9.6.   Service Providers to Covered Entities

10.10.  Supervision of Supervised Nondepositories

10.11.  Limitations on Coverage of Nonfinancial Companies and Other Exclusions

10.11.1. Sellers of Nonfinancial Goods

10.11.2. Real Estate Brokers

10.11.3. Other Exempted Activities

10.11.4. No Federal Usury Limit

10.12.  Supervision of Depository Institutions

10.13.  Supervision of Supervised Large Depositories

10.13.1. Coordination with Other Regulators

10.14.  Limited Bureau Supervision of Small Depositories

10.15.  Prohibition against Unfair, Deceptive or Abusive Acts or Practices

10.15.1. Criteria

10.16.  Model Disclosures

10.17.  Consumer Access to Information

10.18.  Response to Consumer Complaints and Inquiries

10.19.  Authority to Restrict Mandatory Pre-Dispute Arbitration

10.20.  Prohibited Acts

10.21.  Preemption of State Law and State Enforcement

10.21.1. Greater State Law Protection Is Not in Conflict with the Act

10.21.2. State Civil Enforcement of Federal Laws Through Courts

10.21.3. Preservation of Existing Contracts

10.21.4. Preemption Standard for National Banks and Federal Savings Associations

10.21.5. Judicial Review

10.21.6. Usury and Interest

10.21.7. Subsidiaries, Affiliates and Agents

10.22.  Investigations and Enforcement Actions by the Bureau

10.22.1. Investigations

10.22.2. Enforcement Proceedings

10.22.3. Civil Litigation Authority

10.22.4. Remedies

10.22.5. Criminal Referrals

10.23.  Whistleblower Protection

10.24.  Fee Restrictions and Rules for Payment Card Transactions

10.24.1. Rules Regarding Interchange Fees for Electronic Debit Transactions

10.24.2. Limitation on Payment Card Network Restrictions

10.25.  Small Business Loan Data Collection

10.26.  Remittance Transfers

10.27.  Student Loan Ombudsman

10.28.  Report on Private Education Loans and Lenders

10.29.  Public Disclosure of Use of Credit Scores

10.30.  Treasury Study of Fannie Mae and Freddie Mac Conservatorships and National Housing Finance Policy

Title XI – Federal Reserve System Revisions

11.1.    Emergency Lending Authority to Be Used Only to Provide Broad-based Liquidity

11.1.1.   Prohibited Borrowers and Programs

11.1.2.   Report to Congress

11.1.3.   Fed Claims in Event of an Outstanding Loan Recipient Being Placed in Receivership

11.2.    Comptroller General to Audit Fed Emergency Lending

11.3.    Public Access to Information Regarding the Fed

11.4.    FDIC Guarantee Program

11.4.1.   Process

11.4.2.   Guarantee Program Funding

11.4.3.   Treatment of Borrowers in Default Under Guarantee Program

11.5.    Election of Reserve Bank Presidents

11.6.    President to Appoint Fed Vice Chairman for Supervision

11.7.    GAO Audits of the Fed; Fed Disclosure Regarding Assistance

Title XII – Improving Access to Mainstream Financial Institutions

12.1.    Treasury to Promote Access to Accounts

12.2.    Alternatives to Payday Loans

12.3.    Grants to Establish Loan-Loss Reserve Funds

12.4.    Issuance of Regulations

Title XIII – Pay It Back Act

13.1.    Authorized TARP Appropriations

13.2.    Proceeds from Sale of Fannie Mae or Freddie Mac Obligations to be Deposited into Treasury's General Fund

13.3.    FHFA Report on the Housing Industry

13.4.    Stimulus Funds Not Accepted or Obligated by States to be Deposited in Treasury's General Fund

Title XIV – Mortgage Reform and Anti-Predatory Lending Act

14.1.    Bureau Authority; Issuance of Regulations

14.2.    Residential Mortgage Loan Origination Standards

14.2.1.   Qualification and Licensing Standard for Mortgage Originators

14.2.2.   Prohibition on Steering Incentives

14.2.3.   Prohibitions against Certain Mortgage Origination-Related Practices

14.2.4.   Liability

14.2.5.   Discretionary Regulatory Authority

14.2.6.   HUD Study

14.3.    Minimum Standards for Mortgages

14.3.1.   Ability to Repay Standards

14.3.2.   Safe Harbor Provision

14.3.3.   Defense to Foreclosure

14.3.4.   Prohibitions on Certain Prepayment Penalties

14.3.5.   Prohibitions on Single-premium Credit Insurance, Mandatory Arbitration, and Waiver of Statutory Causes of Action

14.3.6.   Disclosures Required for Negative Amortization Loans

14.3.7.   Notice of Anti-Deficiency Laws

14.3.8.   Amendments to TILA Civil Liability Provisions

14.3.9.   Lender Rights in the Context of Borrower Deception

14.3.10. Hybrid Adjustable Rate Mortgages

14.3.11. Disclosures

14.3.12. Comptroller General Study

14.3.13. State Attorney Generals

14.4.    High-Cost Mortgages

14.4.1.   "High-cost mortgage" Definition Revised

14.4.2.   Balloon Payments

14.4.3.   Additional Requirements for High-Cost Mortgages

14.4.4.   Pre-loan Counseling

14.4.5.   Corrections and Unintentional Violations

14.5.    Office of Housing Counseling

14.5.1.   Purposes

14.5.2.   HUD Study on Default and Foreclosure

14.5.3.   Default and Foreclosure Database

14.5.4.   Mortgage Information Booklet

14.5.5.   Home Inspection Counseling

14.5.6.   Warnings to Homeowners of Foreclosure Rescue Scams

14.6.    Mortgage Servicing

14.6.1.   Mandatory Escrow and Impound Accounts

14.6.2.   Restrictions on Obtaining Force-Placed Insurance

14.6.3.   Requirements for Prompt Crediting of Home Loan Payments

14.7.    Appraisal Activities

14.7.1.   Property Appraisal Requirements and Independence Standards

14.7.2.   Appraisal Subcommittee of the FFIEC

14.7.3.   Supervision of Third Party Providers of Appraisal Management Services

14.7.4.   National Appraisal Complaint Hotline

14.7.5.   Quality Controls for Automated Valuation Models

14.7.6.   Broker Price Opinions

14.7.7.   Comptroller General Study on Appraisal Process

14.8.    Mortgage Resolution and Modification

14.8.1.   Multifamily Mortgage Resolution Program

14.8.2.   Adjustments in HAMP Guidelines

14.8.3.   The Protecting Tenants at Foreclosure Act Is Extended to December 31, 2014

14.9.    Miscellaneous Provisions

14.9.1.   Sense of the Congress Regarding Fannie Mae and Freddie Mac

14.9.2.   Comptroller General Study

14.9.3.   Drywall Study

14.9.4.   Emergency Mortgage Relief 

Title XV – Miscellaneous Provisions

15.1.    Restriction on U.S. Funding of IMF Loans to Heavily Indebted Countries

15.2.    Conflict Minerals

15.2.1.   Reporting Requirements

15.2.2.   Authority to Revise or Waive Requirements; Termination

15.3.    Mine Operators Face Greater Health and Safety Reporting Requirements

15.4.    Resource Extraction Issuers Must Disclose Payments to Governments

15.5.    Studies

15.5.1.   Study of Inspectors General

15.5.2.   Study on Defining Core and Brokered Deposits

Title XVI – Section 1256 Contracts

16.1.    Certain Swaps Not Treated as IRC Section 1256 Contracts