H.R.4173 – Dodd-Frank Wall Street Reform and Consumer Protection Act

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To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes.

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Find Fillable Affidavit Forms

An affidavit form is intended to verify a written statement under oath. In this document, the individual known as the affiant affirms that all information presented in the affidavit is truthful and accurate. Affidavit forms are legally binding and should be approached with seriousness. They must be produced voluntarily and signed before witnesses and a notary public. Using the correct affidavit template is essential to ensure the document is valid and of high quality. We provide the appropriate templates to meet your needs.

The Most Widely Used Affidavit Forms

An affidavit form is utilized whenever an individual needs to substantiate the authenticity of certain facts. This form can be used to verify your own or someone else’s identity, report a person’s death, certify a name change, or confirm your place of residence.

It’s common for individuals to marry U.S. citizens to gain permanent residence in the United States. As a result, the U.S. Citizenship and Immigration Services (USCIS) imposes certain conditions on such residency. After two years of marriage, these conditions can be lifted by submitting Form I-751 (Petition to Remove Conditions on Residence). To demonstrate the authenticity of the marriage and potentially bypass extensive interviews, couples are advised to include an Affidavit of Friends, also known as a Letter of Support for I-751, with their application. This affidavit should be written by individuals who know the couple well and can attest to the legitimacy of their marriage.

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A Residency Affidavit is used to verify that you reside at a specific address. This type of affidavit typically pertains to a long-term dwelling, such as an apartment or house, whether owned or rented. Often, the Department of Motor Vehicles (DMV) requires an affidavit of residence when applying for a driver’s license.

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Sample Affidavit of Residency:

Affidavit Types

An affidavit serves multiple purposes, but regardless of its use, certain elements should always be included: details about the affiant, written statements that the affiant declares to be true, acknowledgments from witnesses and a notary, and any relevant attachments that support the statements.

Find Fillable Loan Agreement Forms

A loan agreement is established to safeguard the lender’s interests in the money loaned. For added security, a lender may opt for a secured loan agreement involving collateral. Collateral is typically a high-value asset the borrower owns, such as a car or house, that the lender can claim if the borrower defaults on the loan. This provision often motivates the borrower to make timely repayments. However, even an unsecured loan agreement is legally enforceable. The lender can initiate legal proceedings if the borrower fails to make payments. Creating a loan agreement is crucial for both borrowing and lending parties, as it provides protection and helps preserve positive relations, particularly in transactions involving family members or employees.

Loan Agreement Types

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An IOU Template is a concise and direct legal document that records a financial obligation where one party borrows money from another and commits to repayment. This document typically includes the names of both the lender and the debtor, the amount of the loan, the due date, and, occasionally, a repayment schedule. Generally, an IOU is employed for smaller sums of money and between individuals who share a trustful relationship, such as friends or relatives. Despite its simplicity, an IOU is legally binding and can be evidence in legal proceedings if necessary.

If you require a guarantor for a loan, a Personal Guarantee Template can be used. This document ensures that the guarantor is legally accountable for repaying the loan under the same terms as the borrower, should the borrower fail to meet their obligations. The personal guarantee includes details about all parties involved, such as the lender, borrower, and guarantor. By including a personal guarantor, the lender gains additional security, which may lead to more favorable terms for the borrower, such as lower interest rates or other benefits.

If you need to cover tuition or medical expenses but lack the funds, borrowing from your employer might be a viable option. An Employment Loan Agreement is essential to clarify and formalize the terms of such a loan. This document outlines all crucial aspects of the agreement to protect both parties involved. It includes contact information for all parties, the loan amount, details on how repayments will be deducted from the employee’s paycheck, conditions applicable in the event of a default or if the employee leaves the company, and signatures from all parties. This agreement ensures that the employer and employee understand their commitments and responsibilities clearly.

Fillable PDF Forms

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All Bill Titles

Official: To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes. as introduced.

Short: Accountability and Transparency in Rating Agencies Act of 2009 as introduced.

Short: Consumer Financial Protection Agency Act of 2009 as introduced.

Short: Corporate and Financial Institution Compensation Fairness Act of 2009 as introduced.

Short: Credit Risk Retention Act of 2009 as introduced.

Short: Dissolution Authority for Large, Interconnected Financial Companies Act of 2009 as introduced.

Short: Federal Insurance Office Act of 2009 as introduced.

Short: Financial Stability Improvement Act of 2009 as introduced.

Short: Investor Protection Act of 2009 as introduced.

Short: Over-the-Counter Derivatives Markets Act of 2009 as introduced.

Short: Private Fund Investment Advisers Registration Act of 2009 as introduced.

Short: Wall Street Reform and Consumer Protection Act of 2009 as introduced.

Short: Derivative Markets Transparency and Accountability Act of 2009 as passed house.

Short: Mortgage Reform and Anti-Predatory Lending Act as passed house.

Short: Nonadmitted and Reinsurance Reform Act of 2009 as passed house.

Official: A bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end “too big to fail”, to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. as amended by senate.

Short: Wall Street Reform and Consumer Protection Act of 2009 as passed house.

Short: Accountability and Transparency in Rating Agencies Act of 2009 as passed house.

Short: Consumer Financial Protection Agency Act of 2009 as passed house.

Short: Corporate and Financial Institution Compensation Fairness Act of 2009 as passed house.

Short: Credit Risk Retention Act of 2009 as passed house.

Short: Dissolution Authority for Large, Interconnected Financial Companies Act of 2009 as passed house.

Short: Expand and Preserve Home Ownership Through Counseling Act as passed house.

Short: Federal Insurance Office Act of 2009 as passed house.

Short: Financial Stability Improvement Act of 2009 as passed house.

Short: Investor Protection Act of 2009 as passed house.

Short: Private Fund Investment Advisers Registration Act of 2009 as passed house.

Short: Restoring American Financial Stability Act of 2010 as passed senate.

Short: Bank and Savings Association Holding Company and Depository Institution Regulatory Improvements Act of 2010 as passed senate.

Short: Consumer Financial Protection Act of 2010 as passed senate.

Short: Enhancing Financial Institution Safety and Soundness Act of 2010 as passed senate.

Short: Financial Stability Act of 2010 as passed senate.

Short: Improving Access to Mainstream Financial Institutions Act of 2010 as passed senate.

Short: Nonadmitted and Reinsurance Reform Act of 2010 as passed senate.

Short: Office of National Insurance Act of 2010 as passed senate.

Short: Pay It Back Act as passed senate.

Short: Payment, Clearing, and Settlement Supervision Act of 2010 as passed senate.

Short: Private Fund Investment Advisers Registration Act of 2010 as passed senate.

Short: Wall Street Transparency and Accountability Act of 2010 as passed senate.

Popular: Dodd-Frank Wall Street Reform and Consumer Protection Act as introduced.

Short: Dodd-Frank Wall Street Reform and Consumer Protection Act as enacted.

Short: Bank and Savings Association Holding Company and Depository Institution Regulatory Improvements Act of 2010 as enacted.

Short: Consumer Financial Protection Act of 2010 as enacted.

Short: Enhancing Financial Institution Safety and Soundness Act of 2010 as enacted.

Short: Expand and Preserve Home Ownership Through Counseling Act as enacted.

Short: Federal Insurance Office Act of 2010 as enacted.

Short: Financial Stability Act of 2010 as enacted.

Short: Improving Access to Mainstream Financial Institutions Act of 2010 as enacted.

Short: Investor Protection and Securities Reform Act of 2010 as enacted.

Short: Mortgage Reform and Anti-Predatory Lending Act as enacted.

Short: Nonadmitted and Reinsurance Reform Act of 2010 as enacted.

Short: Pay It Back Act as enacted.

Short: Payment, Clearing, and Settlement Supervision Act of 2010 as enacted.

Short: Private Fund Investment Advisers Registration Act of 2010 as enacted.

Short: Wall Street Transparency and Accountability Act of 2010 as enacted.

Overview
Actions & Votes
Money Trail
News (591) & Blogs (2K)
Comments (83)

Bill’s Views

Today: 147

Past Seven Days: 721

All-Time: 414,893

Official Bill Text

Comment on about 2,253 Pages

Introduced

House

Passed

Senate

Passed

President

Signed

12/01/09

12/11/09

05/19/10

07/20/10

Sponsor

Barney Frank

D-

No Co-Sponsors

Committees

House Financial Services

House Agriculture

House Energy and Commerce

House Judiciary

House Rules

House Budget

House Oversight and Government Reform

House Ways and Means

Senate Banking, Housing, and Urban Affairs

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Related Issue Areas

Finance and financial sector

Accounting and auditing

Administrative law and regulatory procedures

Administrative remedies

Advisory bodies

Aging

Bank accounts, deposits, capital

Banking and financial institutions regulation

Bankruptcy

Business records

Civil actions and liability

Commodities markets

Commodity Futures Trading Commission

Congressional oversight

Consumer affairs

Consumer credit

Credit and credit markets

Department of the Treasury

Employment discrimination and employee rights

Evidence and witnesses

Executive agency funding and structure

Federal Deposit Insurance Corporation (FDIC)

Federal Reserve System

Federal Trade Commission (FTC)

Federal preemption

Financial crises and stabilization

Financial services and investments

Fraud offenses and financial crimes

Government information and archives

Government investigations

Government trust funds

Housing finance and home ownership

Insurance industry and regulation

Judicial review and appeals

Licensing and registrations

Marketing and advertising

Minority and disadvantaged businesses

National Credit Union Administration

Securities

Securities and Exchange Commission (SEC)

Small business

Women in business

Women’s employment

Department of Housing and Urban Development

Foreign and international banking

Real estate business

Data via Congressional Research Service

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Latest Vote

Result: Conference Report Agreed to – July 15, 2010

Roll call number 208 in the Senate

Question: On the Conference Report (Conference Report to Accompany H.R. 4173)

Required percentage of ‘Aye’ votes: 1/2 (50%)

Percentage of ‘aye’ votes: 60%

OpenCongress Summary

This is comprehensive legislation to overhaul regulations in the financial sector. It would establish a new Consumer Financial Protection Agency to regulate products like home mortgages, car loans and credit cards, give the Treasury Department new authority to place non-bank financial firms, like insurance companies into receivership, regulate the over-the-counter derivatives market, and more.

OpenCongress bill summaries are written by OpenCongress editors and are entirely independent of Congress and the federal government. For the summary provided by Congress itself, via the Congressional Research Service, see the “Official Summary” below.

Official Summary

12/11/2009–Passed House amended. Wall Street Reform and Consumer Protection Act of 2009 – Title I: Financial Stability Improvement Act – Financial Stability Improvement Act of 2009 – (Sec. 1000A) Directs the Comptroller General to audit and report to Congress within two years after enactm…Read the Rest

Organizations Supporting H.R.4173

American Association of Retired Persons

Public Citizen

Petroleum Marketers Association of America

National Farmers Union

Western Peanut Growers Association

Appraisal Institute

…and 6 more. See all.

Organizations Opposing H.R.4173

National Association of Federal Credit Unions

American Bankers Association

Independent Community Bankers of America

US Chamber of Commerce

National Association of Mortgage Bankers

Business Roundtable

…and 1 more. See all.

See the money trail behind this bill for more info on how campaign contributions may be influencing senators’ and representatives’ votes.

Latest Letters to Congress

H.R.4173 Dodd-Frank Wall Street Reform and Consumer Protection Act

jezzaman2010 June 14, 2013

I oppose H.R.4173 – Dodd-Frank Wall Street Reform and Consumer Protection Act, and am tracking it using OpenCongress.org, the free public resource website for government transparency and accountability.

This bill needs to be repealed! It establishes a Cyrus style bail-in mechanism that would enable the government to transfer enormous amounts of wealth from the collapsing banks into the hands of a private cartel that control the new Orderly Liquidation Authority.

It imposes amendments to pre…

H.R.4173 Dodd-Frank Wall Street Reform and Consumer Protection Act

goirish August 08, 2012

I am writing as your constituent in the 14th Congressional district of Ohio. I oppose H.R.4173 – Dodd-Frank Wall Street Reform and Consumer Protection Act, and am tracking it using OpenCongress.org, the free public resource website for government transparency and accountability.

Sincerely,

Dan Mulcahy

See All Letters (4)

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