Value Case Brief
I Resolutional Analysis A Definitions B Principles in Contention: The Federal Government Should Change the Dodd-Frank Act Dodd-Frank makes certain amendments to the "Protecting Tenants at Foreclosure Act of 2009" (the “Tenants Protection Act”), which affects post-foreclosure eviction procedures. The amendments to the Tenants Protection Act found in Dodd-Frank were effective on July 21, 2010. The primary advantage is that the regulation ensures the safety of us residents’ funds. This is the intention of the regulation. It is also expected to enrich the US State Treasury since the funds invested won’t be taken out of the USA borders.

C Value: Prevent Stock Issues 1 credit cards, loans, mortgages 2 new agencies 3 hedge funds II Contention 1: Credit Cards, loans, mortgages The Consumer Financial Protection Agency consolidated protection from many different agencies. It oversees credit reporting agencies, credit and debit cards, payday and consumer loans (but not auto loans from dealers). The CFPA regulated credit fees, including credit, debit, mortgage underwriting and bank fees. It protects homeowners in real estate transactions by requiring they understand risky mortgage loans. It also requires banks to verify borrower's income, credit history and job status. The CFPA is under the U.S Treasury.
III Contention 2: New Agencies The Act changes the existing regulatory structure, such as creating a host of new agencies (while merging and removing others) in an effort to streamline the regulatory process, increasing oversight of specific institutions regarded as a systemic risk, amending the Federal Reserve Act, promoting transparency, and additional changes. The Act purports to provide rigorous standards and supervision to protect the economy and American consumers, investors and businesses, purports to end taxpayer funded bailouts of financial institutions, claims to provide for an advanced warning system on the stability of the economy, creates rules on executive compensation and corporate governance, and eliminates some loopholes that led to the 2008 economic recession. The new agencies are either granted explicit power over a particular aspect of financial regulation, or that power is transferred from an existing agency. All of the new agencies, and some existing ones that are not currently required to do so, are also compelled to report to Congress on an annual (or biannual) basis, to present the results of current plans and to explain future goals
IV Contention 3: Hedge Funds

The Financial Stability Oversight Council looks out for risks that affect the entire financial industry. It also oversees non-bank financial firms like hedge funds. If any of these companies get too big, it can recommend they be regulated by the Federal Reserve, which can ask it to increase its reserve requirement. This prevents another AIG from becoming too big to fail. The Council is chaired by the Treasury Secretary, and has nine members: the Fed, SEC, CFTC, OCC, FDIC, FHFA and the new CFPA.
The Volcker Rule bans banks from using or owning hedge funds for the banks' own profit. That's because they'd often use their depositors' funds to do so. Banks can use hedge funds for their customers only. Determining which funds are for the banks' profits and which funds are for customers has been difficult. Therefore, Dodd-Frank gave banks seven years to divest the funds. They can keep any funds if that are less than 3% of revenue.

VI Disadvantage:
The services of international brokers cannot be enjoyed by US citizens if such brokers are not regulated by US government. Additionally, brokerage companies accepting us citizens, they have raised the minimum capital. As a result of this regulation, US citizens are now subjected to unfavourable trading conditions; low spread and reduced leverage.