Title 12, Chapter 53 — Wall Street Reform and Consumer Protection

Definitions

Severability

Antitrust savings clause

Definitions

Financial Stability Oversight Council established

Council authority

Authority to require supervision and regulation of certain nonbank financial companies

Registration of nonbank financial companies supervised by the Board of Governors

Enhanced supervision and prudential standards for nonbank financial companies supervised by the Board of Governors and certain bank holding companies

Reports

Treatment of certain companies that cease to be bank holding companies

Council funding

Resolution of supervisory jurisdictional disputes among member agencies

Additional standards applicable to activities or practices for financial stability purposes

Mitigation of risks to financial stability

GAO audit of Council

Study of the effects of size and complexity of financial institutions on capital market efficiency and economic growth

Data standards

Open data publication

Definitions

Office of Financial Research established

Purpose and duties of the Office

Organizational structure; responsibilities of primary programmatic units

Funding

Transition oversight

Reports by and examinations of nonbank financial companies by the Board of Governors

Enforcement

Acquisitions

Prohibition against management interlocks between certain financial companies

Enhanced supervision and prudential standards for nonbank financial companies supervised by the Board of Governors and certain bank holding companies

Early remediation requirements

Affiliations

Regulations

Avoiding duplication

Safe harbor

Leverage and risk-based capital requirements

Rule of construction

International policy coordination

Rule of construction

Definitions

Judicial review

Systemic risk determination

Orderly liquidation of covered financial companies

Orderly liquidation of covered brokers and dealers

Mandatory terms and conditions for all orderly liquidation actions

Directors not liable for acquiescing in appointment of receiver

Dismissal and exclusion of other actions

Rulemaking; non-conflicting law

Powers and duties of the Corporation

Inspector General reviews

Prohibition of circumvention and prevention of conflicts of interest

Ban on certain activities by senior executives and directors

Prohibition on taxpayer funding

Purposes

Definition

Transfer date

Powers and duties transferred

Abolishment

Savings provisions

References in Federal law to Federal banking agencies

Contracting and leasing authority

Interim use of funds, personnel, and property of the Office of Thrift Supervision

Transfer of employees

Property transferred

Funds transferred

Disposition of affairs

Continuation of services

Implementation plan and reports

Branching

Office of Minority and Women Inclusion

Findings and purposes

Definitions

Designation of systemic importance

Standards for systemically important financial market utilities and payment, clearing, or settlement activities

Operations of designated financial market utilities

Examination of and enforcement actions against designated financial market utilities

Examination of and enforcement actions against financial institutions subject to standards for designated activities

Requests for information, reports, or records

Rulemaking

Other authority

Consultation

Common framework for designated clearing entity risk management

Definitions

Establishment of the Bureau of Consumer Financial Protection

Executive and administrative powers

Administration

Consumer Advisory Board

Coordination

Appearances before and reports to Congress

Annual audits

GAO study of financial regulations

Funding; penalties and fines

Data standards

Open data publication

Purpose, objectives, and functions

Rulemaking authority

Review of Bureau regulations

Supervision of nondepository covered persons

Supervision of very large banks, savings associations, and credit unions

Other banks, savings associations, and credit unions

Limitations on authorities of the Bureau; preservation of authorities

Authority to restrict mandatory pre-dispute arbitration

Exclusion for auto dealers

Prohibiting unfair, deceptive, or abusive acts or practices

Disclosures

Consumer rights to access information

Response to consumer complaints and inquiries

Private Education Loan Ombudsman

Prohibited acts

Senior investor protections

Mortgage loans; rulemaking procedures; enforcement

Relation to State law

Preservation of enforcement powers of States

Preservation of existing contracts

Definitions

Investigations and administrative discovery

Hearings and adjudication proceedings

Litigation authority

Relief available

Referrals for criminal proceedings

Employee protection

Transfer of consumer financial protection functions

Designated transfer date

Savings provisions

Transfer of certain personnel

Incidental transfers

Interim authority of the Secretary

Transition oversight

Remittance transfers

Reverse mortgage study and regulations

Review, report, and program with respect to exchange facilitators

Liquidity event determination

Emergency financial stabilization

Additional related matters

Exercise of Federal Reserve authority

Purpose

Definitions

Expanded access to mainstream financial institutions

Low-cost alternatives to small dollar loans

Procedural provisions

Authorization of appropriations

Regulations

Evaluation and reports to Congress

Enhanced compensation structure reporting