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外文题目: Dodd-Frank Act Significantly Changes Regulatory Environment For Community Banks And Thrifts
出 处: Bank Counting And Finance2010(10):P11-56.
作 者: Thomas M.Maxwell,Claudia V.Swhier
原 文:
Abstract:Aspects of the Wall Street Reform and Consumer Protection Act profoundly affect how community banks, thrifts and small bank and thrift holding companies will be regulated.On July 21, 2010, President Obama signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act (“the act”),which significantly amends federal oversight of the financial industry. While much media attention has focused on issues covered by the act that primarily affect only large financial institutions, such as how to resolve entities that are “too big to fail” and regulate derivatives trading by complex financial holding companies, the act also includes provisions that will profoundly affect how community banks, thrifts and small bank and thrift holding companies will be regulated in the future. These provisions, among other things, abolish the Office of Thrift Supervision (OTS) and transfer its functions to the other federal banking agencies, relax rules governing interstate branching, allow financial institutions to pay inter- est on business checking accounts, change the scope of federal deposit insurance coverage and impose new capital requirements on bank and thrift holding companies. With these changes, described below, the act may represent the most significant financial legislation affecting community banks and thrifts in the post-Depression era.
Elimination of OTS
While the act eliminates the OTS and transfers its powers and functions to the other federal banking agencies, it also preserves the thrift charter. The act transfers to the Office of the Comptroller of the Currency (OCC) all functions of the OTS relating to federal savings associations and all rulemaking authority relating to savings as
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