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After Dodd-Frank, regulators look to restructure mortgage industry

The financial regulatory reform bill, commonly known as the Dodd-Frank Act of 2010, includes a number of provisions that will significantly impact the mortgage industry. Federal agencies already have begun drafting new rules that will guide the implementation of the law.


New privacy legislation threatens online advertising models Internet privacy continues to be at the top of the agenda for policymakers in Washington, D.C., and state capitals across the country. A number of legislative and regulatory proposals would place unnecessary restrictions on companies that advertise on the Internet. Read more	Concerns grow as assembly of CFPB nears completion The Consumer Financial Protection Bureau (CFPB) is scheduled to assume regulatory and enforcement authority over a majority of financial consumer protection laws on July 21. While Elizabeth Warren — the senior advisor to the President tasked with assembling the CFPB — continues to hire staff and build the new agency, some in Congress have raised concerns that the CFPB lacks sufficient oversight. Read more	Lawmakers focus on data security in the wake of large-scale breaches High-profile data breaches at Epsilon and Sony have continued to bring intense scrutiny from both legislators and regulators, giving momentum to data security proposals in Congress. The Obama Administration also continues to move forward with a cybersecurity initiative that would require government agencies and commercial entities to do more to safeguard consumer information and notify consumers when certain information is breached. Read more

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Employer use of credit continues to be top priority in the states

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On May 5, the Policy and Economic Research Council (PERC) released the results of a study on the accuracy of data collected and maintained by the three nationwide consumer reporting agencies — Equifax, Experian and TransUnion — as well as the impact of credit report dispute outcomes.

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