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Dodd Frank: A Review and Analysis from the Perspective of Small Financial Institutions - Essay Example

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High school
Finance & Accounting
Pages 6 (1506 words)


With so many government programs originally intended to provide an answer to prior shortcomings that have been found in key structural areas of the economy, the Dodd Frank Act of 2010 had a series of profound impacts upon the way in which banks and financial institutions integrate with business…

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Dodd Frank: A Review and Analysis from the Perspective of Small Financial Institutions

At face value and according to the politicians that so vigorously promoted the bill, it was intended and marketed as a means of reining the previously un-restrained financial greed that ultimately precipitated the financial collapse of 2007/2008. Yet, regardless of how well-intentioned the act might have been, the fact of the matter is that it ultimately served to integrate a great deal of harm with respect to the way in which smaller neighborhood/community banks could continue to remain viable and profitable under the terms that the Dodd Frank act specified. As a function of analyzing the different ways in which the Dodd Frank act has reduce the overall level of competitiveness and profitability/sustainability that small community banks can leverage within the current market, the following brief analysis will seek to elaborate on some of the most important aspects of the ways in which Dodd Frank has constrained and ultimately harmed the smaller banks. ...
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