多德-弗蘭克法明顯的改變了社區(qū)銀行和互助儲(chǔ)蓄銀行監(jiān)管環(huán)境【外文翻譯】

1、外文題目：DoddFrankActSignificantlyChangesRegulatyEnvironmentFCommunityBanksThrifts出處：BankCountingFinance2010(10):P1156.作者：ThomasM.MaxwellClaudiaV.Swhier原文：Abstract：AspectsoftheWallStreetRefmConsumerProtectionActprofoundlyaff

2、ecthowcommunitybanksthriftssmallbankthriftholdingcompanieswillberegulated.OnJuly212010PresidentObamasignedintolawtheDoddFrankWallStreetRefmConsumerProtectionAct(“theact”)whichsignificantlyamendsfederaloversightofthefinan

3、cialindustry.Whilemuchmediaattentionhasfocusedonissuescoveredbytheactthatprimarilyaffectonlylargefinancialinstitutionssuchashowtoresolveentitiesthatare“toobigtofail”regulatederivativestradingbycomplexfinancialholdingcomp

4、aniestheactalsoincludesprovisionsthatwillprofoundlyaffecthowcommunitybanksthriftssmallbankthriftholdingcompanieswillberegulatedinthefuture.TheseprovisionsamongotherthingsabolishtheOfficeofThriftSupervision(OTS)transferit

5、sfunctionstotheotherfederalbankingagenciesrelaxrulesgoverninginterstatebranchingallowfinancialinstitutionstopayinterestonbusinesscheckingaccountschangethescopeoffederaldepositinsurancecoverageimposenewcapitalrequirements

6、onbankthriftholdingcompanies.WiththesechangesdescribedbelowtheactmayrepresentthemostsignificantfinanciallegislationaffectingcommunitybanksthriftsinthepostDepressionera.EliminationofOTSWhiletheacteliminatestheOTStransfers

7、itspowersfunctionstotheotherfederalbankingagenciesitalsopreservesthethriftter.TheacttransferstotheOfficeoftheComptrolleroftheCurrency(OCC)allfunctionsoftheOTSrelatingtofederalsavingsassociationsallrulemakingauthityrelati

8、ngtosavingsassociationstransferstotheFederalDepositInsuranceCpation(FDIC)allcurrentlawfsavingsloanholdingcompanies.Presumablythisstudycouldprovidethebasisffuturelegislationtoeliminatethedistinctionundercurrentlawbetweens

9、avingsloanholdingcompaniesbankholdingcompanies.ConsolidatedCapitalRequirementsfBankHoldingCompaniestheTreatmentofTrustPreferredSecuritiesTheactimposesstricterconsolidatedcapitalstandardsondeposityinstitutionholdingcompan

10、iesalthoughlastminutenegotiationsbetweenHouseSenateconfereesledtotheinclusioninthefinalversionoftheactofseveralexemptionsthatprimarilybenefitsmallerbankholdingcompaniessavingsloanholdingcompanies.TheiginalSenateversionof

11、thebillwouldhaverequiredtheappropriatefederalbankingagenciestoestablishminimumleverageriskbasedcapitalrequirementsonaconsolidatedbasisfinsureddeposityinstitutionstheirholdingcompaniesthatarenolessthanthecapitalrequiremen

12、tscurrentlyineffectfbanks.Theadoptionofthisprovisionwouldhaveresultedinsmallbankholdingcompaniesthriftholdingcompaniesbecomingsubjectfthefirsttimetoconsolidatedcapitalrequirementswouldhaveprecludedtrustpreferredsecuritie

13、spreferredstockissuedpursuanttotheTroubledAssetsRepurchaseProgram(TARP)frombeingincludedinTier1capital.ChangestoSourceofStrengthDoctriheactcreatesfthefirsttimeastatutybasisfthe“sourceofstrength”doctrineassertedbythefeder

14、albankingagencies.TheactauthizestheFRBtorequireabankholdingcompanysavingsloanholdingcompanyothercompanythatcontrolsadeposityinstitutiontoserveasasourceoffinancialstrengthfanyofitsdeposityinstitutionsubsidiaries.Fthispurp

15、ose“sourceoffinancialstrength”meanstheholdingcompany’sabilitytoprovidefinancialassistancetoadeposityinstitutionsubsidiaryintheeventofthesubsidiary’sfinancialdistress.WhiletheFRBhaslongassertedthatabankholdingcompanymusts

16、erveasasourceoffinancialstrengthfitsfinancialinstitutionsubsidiariestherehasnotbeenuntilnowanexpressstatutybasisfthisdoctrine.ChangesAffectingMutualHoldingCompaniesUnderexistinglawamutualholdingcompanymayelecttowaivether