USA:s banker avregleras – efter vallöfte från Trump

The Dodd–Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111–203, H.R. 4173, commonly referred to as Dodd–Frank) was signed into United States federal law by President Barack Obama on July 21, 2010. Passed as a response to the financial crisis of 2007–2008, it brought the most significant changes to financial regulation in the United States since the regulatory reform that followed the Great Depression. It made changes in the American financial regulatory environment that affected all federal financial regulatory agencies and almost every part of the nation's financial services industry. The law was initially proposed by the Obama administration in June 2009, when the White House sent a series of proposed bills to Congress. A version of the legislation was introduced in the House in July 2009. On December 2, 2009, revised versions were introduced in the House of Representatives by the then Financial Services Committee Chairman Barney Frank, and in the Senate Banking Committee by former Chairman Chris Dodd. Due to Dodd and Frank's involvement with the bill, the conference committee that reported on June 25, 2010, voted to name the bill after them. Studies have found Dodd–Frank has improved financial stability and consumer protection, although there has been debate about its effects on the economy. The Act established the Consumer Financial Protection Bureau (CFPB), which from inception to April 2017 had "returned almost $12 billion to 29 million consumers and imposed about $600 million in civil penalties." On June 8, 2017, the Republican-led House passed the Financial CHOICE Act which, if enacted, would roll back many of the provisions of Dodd–Frank. In June 2017, the Senate was crafting its own reform bill. On March 14, 2018, the US Senate passed a bill 67 to 31, easing financial regulations and reducing oversight for banks with assets below $250 billion. This move from increased regulation after a crisis to deregulation during an economic boom has been a recurrent feature in the United States.