Analys: ”Kan bli Obamas största nederlag”

A systemically important financial institution (SIFI) is a bank, insurance company, or other financial institution whose failure might trigger a financial crisis.

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 federal law by President Barack Obama on July 21, 2010. Passed as a response to the Great Recession, 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 affect all federal financial regulatory agencies and almost every part of the nation's financial services industry. As with other major financial reforms, a variety of critics have attacked the law, some arguing it was not enough to prevent another financial crisis or more bailouts, and others arguing it went too far and unduly restricted financial institutions. 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 then Financial Services Committee Chairman Barney Frank, and in the Senate Banking Committee by former Chairman Chris Dodd. Due to their involvement with the bill, the conference committee that reported on June 25, 2010 voted to name the bill after the two members of Congress.

Metlife, Inc. (NYSE: MET) är ett amerikanskt multinationellt försäkringsbolag som anses vara en av världens största inom livförsäkringar och har fler än 90 miljoner kunder i fler än 60 länder världen över. Den amerikanska ekonomitidskriften Forbes rankade Metlife som världens 50:e största publika bolag för år 2014. Försäkringsbolaget har sitt ursprung ur National Union Life and Limb Insurance Company som bildades 1863 och var enbart för soldater, som försäkrades för sina potentiella skador och dödsfall som kunde uppkomma under det amerikanska inbördeskriget. Den 24 mars 1868 valde man byta namn till Metropolitan Life Insurance Company och blev ett renodlat livförsäkringsbolag för alla som ville vara kunder hos dem. För 2014 hade de en omsättning på nästan $73,4 miljarder och tillgångar på mer än $900 miljarder och i juni 2015 hade de en arbetsstyrka på 68 000 anställda. Huvudkontoret är placerad i Metlife Building i New York, New York.