[20150827]IN10278_《金融监管改善法案》列入参议院拨款法案.pdf

Financial Regulatory Improvement Act Included in Senate Appropriations BillAugust 27, 2015 (IN10278) | |Sean M. Hoskins, Analyst in Financial Economics (shoskinscrs.loc.gov, 7-8958)Marc Labonte, Specialist in Macroeconomic Policy (mlabontecrs.loc.gov, 7-0640)Baird Webel, Specialist in Financial Economics (bwebelcrs.loc.gov, 7-0652)This Insight highlights some of the major policy proposals included in S. 1484, as reported by the Senate Banking Committee on June 2, 2015. The text of the bill was among the financial regulatory changes included in the FY2016 Financial Services and General Government Appropriations Act (S. 1910), reported by the Senate Appropriations Committee on July 30, 2015. S. 1484 encompasses a broad package of reforms to the financial regulatory system, including some changes to the Dodd-Frank Act (P.L. 111-203).Regulatory ReliefSome provisions of S. 1484 are intended to provide regulatory relief for financial institutions and, supporters argue, expand consumers access to credit. Regulatory relief may face tradeoffs between reducing regulatory burden and potentially reducing the benefits of regulation (e.g., safety and soundness, consumer and investor protection,