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Video Introduction
Respected author and expert Mitchel H. Kider explains the critical aspects of the Dodd-Frank Act. Consumer Protection and Mortgage Regulation under Dodd-Frank explains the extensive consumer protection measures with respect to consumer financial products and services in the wake of the Dodd-Frank Act. These include Title X that creates the Bureau of Consumer Financial Protection, Title XIV concerning the Mortgage Reform and Anti-Predatory Lending Act, and Title IX regarding the Investor Protection and Securities Reform Act of 2010. Title IX imposes new credit risk retention requirements for securitizers and loan originators, having the potential to significantly impact the availability of consumer credit for borrowers with less than perfect credit – especially if lenders limit their originations to "qualified residential mortgages" for purposes of claiming the exemption.