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Financial Regulatory Reform: A New Foundation

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Over the past two years we have faced the most severe financial crisis since the Great Depression. Americans across the nation are struggling with unemployment, failing businesses, falling home prices, and declining savings. These challenges have forced the government to take extraordinary measures to revive our financial system so that people can access loans to buy a car or home, pay for a child's education, or finance a business.

We must act now to restore confidence in the integrity of our financial system. The lasting economic damage to ordinary families and businesses is a constant reminder of the urgent need to act to reform our financial regulatory system and put our economy on track to a sustainable recovery. We must build a new foundation for financial regulation and supervision that is simpler and more effectively enforced, that protects consumers and investors, that rewards innovation and that is able to adapt and evolve with changes in the financial market.

• Geithner, Summers Op-Ed: A New Financial Foundation
• Remarks by President Obama
• Executive Summary
• Full Report

Legislation:

• Title I - Financial Services Oversight Council
• Title II - Tier 1 Financial Holding Companies
• Title III – Improvements to Supervision and Regulation of Federal Depository Institutions
• Title IV – Registration of Advisers to Private Funds
• Title V – Office of National Insurance
• Title VI - Bank Holding Company Act amendments and other banking law amendments
• Title VII - Improvements to Regulation of Over-the-Counter Derivatives Markets
• Title VIII – Settlement Supervision
• Title X – Consumer Financial Protection
• Title XI – Improvements to the Federal Trade Commission Act
• Title XII – Enhanced Resolution Authority
• Title XIII - Amendment to Federal Reserve Act section 13(3)
• Title IX – Additional Improvements to Financial Markets Regulation Subtitle A
• Title IX – Additional Improvements to Financial Markets Regulation Subtitle C
• Title IX – Additional Improvements to Financial Markets Regulation Subtitle D
• Title IX - Additional Improvements to Financial Markets Regulation Subtitle E

Fact Sheets:

• Systemic Risk Legislation Sent to Capitol Hill
• Systemic Risk Legislation Sent to Capitol Hill - Part II
• Requiring Strong Supervision And Appropriate Regulation Of All Financial Firms
• Strengthening Regulation Of Core Markets And Market Infrastructure
• Strengthening Consumer Protection
• Providing The Government With Tools To Effectively Manage Failing Institutions
• Improving International Regulatory Standards And Cooperation
• Legislation for Strengthening Consumer Protection
• Legislation for Strengthening Investor Protection
• Legislation for the Registration of Hedge Funds
• New Independence for Compensation Committees
• Say-On-Pay
• Credit Rating Agency Reform Legislation Sent to Capitol Hill
• Final Piece of Legislative Language Delivered to Capitol Hill: OTC Derivatives

Last Updated: August 11, 2009