Dodd-Frank Reform: What Does It Mean?

In May of 2018, the President signed into law the Economic Growth, Regulatory Relief, and Consumer Protection Act (also known as S. 2155). This law, otherwise known as the Dodd-Frank Relief provisions, provides many new exceptions and clarifications to aspects of the Dodd-Frank Act. Principally impacted are small institutions (less than $10 billion in assets) as well as large bank holding companies. Many regulations were impacted, including Regulation Z (Truth in Lending), appraisal requirements, the SAFE Act, and credit reporting laws. One important exception is to HMDA, which allows banks and credit unions with smaller reporting sizes to avoid reporting the new data elements required for 2018 and beyond.

Covered Topics:

  • Access to Mortgage Credit
    • Regulation Z.
    • Appraisal
    • HMDA
    • CRA
    • TRID
    • And more
  • Regulatory Relief
    • Capital Simplification
    • Exam Cycles
    • Online Account opening
    • And more
  • Consumer Protections
    • Credit Reporting, Freezing and Scoring
    • Foreclosure
  • Bank Holding Company Changes
  • Student Borrower Protections
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The cost of subscription is determined by the asset size of your institution. In the case of holding companies or banks under common ownership, the aggregate asset size of participating banks determine the subscription tier.
   Non-bank or < 499M - $125 per month   
   $500M - 999M - $250 per month   
   $1 - 5B - $425 per month   
   $5 - 10B - $600 per month   
   > 10B - $850 per month   

Billing Details:

The term will commence on the START DATE of this agreement and continue for 6 or 12-months. This subscription will be renewable at the end of the current term for a successive 6 or 12-month term unless either party gives written notice of its intention not to renew 15 days before the expiration of the current term.We will notify you of any changes in the terms of the subscription at least 30 days prior to the notice period for renewal or termination.