Article: The Consumer Financial Protection Agency Act Of 2009: Welcome To The World Of Financial Services Regulation!

This month, Congress will begin to address the proposed Consumer Financial Protection Agency Act of 2009, known as the CFPAA, which is one piece of the dramatic financial regulatory reform that Barney Frank, Chairman of the House Financial Services Committee, introduced in July 2009. Initially, the CFPAA, as proposed, imposed federal financial regulation on a much broader spectrum of businesses than were previously subject to federal financial regulation, such as merchants, retailers, e-retailers, and other nonfinancial institutions. This week Chairman Frank released a memorandum indicating that merchants, retailers and other non financial businesses will be excluded from ...

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