Consumer Finance (Course Page)

This guide is meant to help you find laws and information on consumer finance. Using the navigation links in the left margin, you can learn how to find the following types of information:

• Laws and regulations governing banks and securities (see "Primary Sources"),
• Informative and scholarly articles (see "Secondary Sources"),
• Practice and study aids,
• Agencies and advocate group websites, and
• Dodd-Frank research tools (with a focus on Title X).

US Statutes

• Title 12 US Code -  Banks & Banking
• Laws that Govern the Securities Industry (Part of the SEC website; provides information about – and links to – the full text of the Securities Act of 1933, the Securities Exchange Act of 1934, the Trust Indenture Act of 1939, the Investment Company Act of 1940, the Investment Advisers Act of 1940, the Sarbanes-Oxley Act of 2002, the Dodd-Frank Wall Street Reform & Consumer Protection Act, and the Jumpstart Our Business Startup Act.)

US Regulations (CFR)

• Code of Federal Regulations

Title 12:  Banks & Banking
Title 13:  Business & Credit Assistance
Title 16:  Commercial Practices
Title 17:  Commodity and Security Exchanges
Title 31:  Money and Finance: Treasury

• Rules & Regulations for the SEC and Major Securities Laws (Part of the SEC website.)

Government Entities

• U.S. Senate Committee:  Finance
• U.S. House Committee:  Financial Services
• European Union:  Capital Markets Union

• Commodity Futures Trading Commission (CFTC)

• Financial Stability Oversight Council (FSOC)
• Consumer Financial Protection Bureau (CFPB)
• Federal Housing Finance Agency
• Center for Responsible Lending
• Federal Housing Administration

DEPOSITORY INSTITUTIONS

• Comptroller of the Currency
• Federal Deposit Insurance Corporation (FDIC)
• Federal Reserve System
• National Credit Union Administration
• American Council of State Savings Supervisor
• Conference of State Bank Supervisors
• Federal Financial Institutions Examination Council
• National Association of State Credit Union Supervisors
• American Bankers Association

• National Association of Insurance Commissioners

• National Conference of Insurance Guaranty Funds
• National Organization of Life & Health Insurance Guaranty Associations
• State Insurance Department Web-sites (from the National Association of Insurance Commissioners website)

INTERNATIONAL ORGANIZATIONS

• Bank for International Settlements (BIS)

• Institute of International Bankers
• International Monetary Fund (IMF)
• International Organization of Securities Commissions (IOSCO)
• Institute of International Banking Law & Practice (IIBLP)
• Organisation for Economic Co-operation & Development (OECD iLibrary)

• IRS's Tax Information for Retirement Plans
• Department of Labor's Employee Benefits Security Administration (EBSA)
• Pension Benefit Guaranty Corporation (PBGC)
• Employee Benefit Research Institute

• New York Stock Exchange (NYSE)
• Securities and Exchange Commission (SEC)
• Financial Industry Regulatory Authority (FINRA)
• Investment Company Institute
• North American Securities Administrators Association
• Securities Investor Protection Corporation

• Internal Revenue Service (IRS)

Financial Crisis Inquiry Commission (FCIC)

• FCIC Hearings
• FCIC Final Report

Agencies 

Nearly 80% of the rulemaking provisions of Dodd-Frank assign responsbilities to four agencies:  the Securities and Exchange Commission (SEC), the Board of Governors of the Federal Reserve System (FRB), the Commodity Futures Trading Commission (CFTC), and the Consumer Financial Protection Bureau (CFPB).  Dodd-Frank also created within the US Treasury, the Financail Stability Oversight Council (FSOC).

• CFTC Dodd Frank
• SEC Dodd Frank
• FRB Banking Regulation
• FSOC in Treasury

Government Reports

• Government Accounting Office - Dodd Frank Reports 
• Congressional Services Research Reports on Dodd Frank (HUID & PIN)

Practitioner Services  

• Dodd-Frank Rulemaking Tracker
• BNA Banking Report

Legislative History

• Congress.gov
• Heinonline Compiled Legislative History (HUID & PIN)

Book

Dodd-Frank Wall Street Reform and Consumer Protection Act: Law, Explanation and Analysis (2010)

• Book Online in CCH - requires registration with HLS email
• Book in print on Reserve in the library at the Circulation Desk

Recommended for an overview of the law, with explanations on particular legislation and potential regulation.

Journal

• Harvard Business Law Review (HBLR) issue discussing Dodd-Frank at one-year

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