Dodd-Frank Reform: New Regulatory Framework for Regional Banks, Mortgage and Student Lenders, Investment Funds

A live 90-minute CLE webinar with interactive Q&A


Wednesday, August 15, 2018

1:00pm-2:30pm EDT, 10:00am-11:30am PDT

Early Registration Discount Deadline, Friday, July 27, 2018

or call 1-800-926-7926

This CLE webinar will analyze recent amendments to the Dodd-Frank Act under the Economic Growth, Regulatory Relief, and Consumer Protection Act (the "Act"), including the impact of the amendments on regional and community banks. The panel will also discuss other aspects of the Act which effect investment funds, mortgage and student lenders, credit-reporting agencies and more.

Description

On May 24, 2018, the most significant piece of financial services legislation since the Dodd-Frank Act was signed into law. The Act makes a number of changes to banking regulations, including increasing from $50 billion to $250 billion the asset threshold (the “SIFI” threshold) above which the Federal Reserve is required to apply enhanced prudential standards and stress tests to bank holding companies and other financial institutions.

The major provisions of the Volcker Rule would remain unchanged, but the Act includes three provisions that would change or impact the Volcker Rule: (1) an exemption for banks with less than $10 billion in consolidated assets and low levels of trading liabilities, (2) increased opportunities for funds and their investment advisers to co-brand, and (3) an expansion of the scope of the Section 3(c)(1) exemption of the Investment Company Act for small venture capital funds.

Congress’s goal in passing the Act was generally deregulatory, reducing the various burdens of Dodd-Frank on financial institutions. The Act was passed in a somewhat bipartisan manner, with majority support among Republicans but sufficient support from Democrats in each house also. As a result, the Act is not a rollback of Dodd-Frank but a set of amendments to targeted components of it. Therefore, the Act is nuanced, and bank counsel should be familiar with whichever components of the Act most affect their clients’ businesses. The Act includes new consumer protections related mortgage and student lending and credit-reporting, new clarity on HVCRE loans, and various other regulations.

Listen as our authoritative panel reviews the recent Dodd-Frank reforms and their implications for operation and regulation of banks and other financial institutions. The panel will also discuss the phase-in aspects of the new SIFI threshold, and miscellaneous regulations imbedded in the Act which affect investment advisors, venture capital funds, mortgage lenders, and more.

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Outline

  1. Legislative History of the Economic Growth, Regulatory Relief, and Consumer Protection Act
  2. New SIFI Threshold for Dodd-Frank Enhanced Prudential Standards, Stress Tests
  3. Other Bank Capital and Liquidity Reforms
  4. Amendments to the Volcker Rule
  5. Regulatory Relief for Community Banks
  6. Additional Banking Provisions
  7. Consumer Protections
  8. Securities-Related Reforms
  9. Implications of revised asset thresholds for other financial services regulations

Benefits

The panel will review these and other critical issues:

  • What are the phase-in periods for the new SIFI threshold?
  • When might banks whose assets fall below the SIFI threshold be nonetheless subject to enhanced prudential standards applicable to larger banks?
  • In what respects is the Volcker Rule amended by the Act?
  • How will mortgage and student lending practices be affected by the Act?
  • How will the Act impact investments funds and capital raising?

Faculty

Brownback, Nathan
Nathan S. Brownback

Atty
Fried Frank

Mr. Brownback’s practice focuses on the regulation of domestic and foreign banks, with particular emphasis on the...  |  Read More

Comizio, V. Gerard
V. Gerard (Jerry) Comizio

Partner
Fried Frank

Mr. Comizio is a leading authority on financial services matters. He has extensive experience in representing a wide...  |  Read More

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