Izindlela i-CFSB ikhusela wena kwaye awuyikuyazi
I-Bureau ibhale imithetho yokukhusela yomsebenzisi kuyo yonke imveliso yemali yabathengi.
Okubaluleke ngakumbi, ihlawulisa iintlawulo ezichasene nababolekisi abaphula imithetho yayo. Ikwagunyaza ukuba iingxabano zemboleko zivunyelwe ukuba zise enkundleni, kungekhona nje ukumlalelana. Ikhupha i- inshurensi ye-Federal Deposit Insurance Corporation ngokusisigxina kwi-bank deposits ibe ngama-250,000.
I-CFPB ikhusela nabathengi kwiintengiso zezindlu zangaphandle. Ezi ziquka isihloko, ukunyuka kunye neenkampani zenkxaso-mali ezibandakanyeka nabangenayo kunye nabakhi bekhaya. Ijongene nethuba lokulingana kunye netyala lezindlu. Ikwabeka kwakhona imilinganiselo yazo yonke iminikelo yokuthenga. Kodwa, ayiyikuvimbela imikhiqizo yokubolekwa kwemingcipheko eyingozi, njengemali-mboleko kuphela.
I-Bhunga ilawula iimveliso ezinobungozi ezinobungozi njengemali -mboleko kuphela . Kudinga ibhanki ukuba ibonise ukuba ababoleki bayayiqonda ingozi. I-CFPB yenza iibhanki ziqinisekise ingeniso yabafaki-sicelo, imbali yemboleko kunye nesimo somsebenzi. Ibika kwiSebe leNondyebo .
NgoNovemba 24, 2017, umlawuli weBhunga uRichard Cordray wasula.
I-Cordray inokuqhuba igosa likarhulumente wasekhaya lase-Ohio. Wabiza i-deputy umlawuli, uLeandra English, njengomlawuli osebenzayo. UMongameli uTrump wakhethe uMick Mulvaney, umlawuli we-Ofisi yoLawulo kunye neBhajethi, kuloo ndawo. Ekuphenduleni, isiNgesi samangalela ulawulo lweTrump. I-Mulvaney inqunywe i-30-day frozen on hiring and issuing regulations.
Umthetho ovumelekayo we-Dodd-Frank uthi i-isekela-mlawuli kufuneka ithathe indawo kumlawuli weBhunga ukuba alahlekelwe phantsi. Umongameli unelungelo lokumisela umlawuli omtsha, kodwa kufuneka avunywe yiNgqungquthela ngaphambi kokuba athathe iofisi.
Oko i-Bureau iyenzile
Ukususela ngo-2011, i-Bureau ibuyisele i-$ 12 yezigidi ukuya kuma-27 yezigidi zabathengi abaye balimala ngoshishino lwezezimali. Ngokomzekelo, yaphoqeleka i-Citibank ukuba inikeze i-$ 700 yezigidi ukuhlawula. I-bankhad ilahlekise abathengi ekuthengeni ukukhuselwa kobusela obungabonakaliyo.
I-Bureau yafumanisa i-Wells Fargo yayivule ngasese idiphozithi engagunyazisiweyo kunye neakhadi zekhadi lesitaliti kwizigidi zabathengi bayo. Abasebenzi bevule iakhawunti kwaye badlulisela imali ngaphandle kolwazi lwabathengi. Benza oku ukuhlangabezana neenjongo zokuthengisa. I-Bureau yafuna i-Wells Fargo ukuhlawula ngokutsha ixhoba. Kwakhona ihlawulise i-Wells Fargo eyizigidi eziyi-100, kwaye yayifuna ukuba ihlawule i-$ 85 yezigidi kwabanye abalawuli.
I-Bureau iphumelele uMthetho weKhadi leMatyala ka-2009 . Yayisungula ukukhuselwa kwabasebenzisi bekhadi lesikweletu. Ziquka:
- Akukho nzala yenyuka yonyaka wokuqala.
- Ibhanki ayikwazi ukuphakamisa amaxabiso kwibhalansi ekhoyo ngaphandle kokuba ulahlekelwe iintlawulo ezimbini okanye ngaphezulu. Xa amaxabiso akhula, akakwazi ukusetyenziswa ngokukhawuleza kuma-balance balance existing or in any balance you just paid.
- Iintlawulo zisetyenziselwa izilinganiso kunye neerhafu zerhafu eziphezulu .
- Ibhanki kufuneka ikuxelele iintsuku ezingama-45 ngaphambi kokuphakamisa izinga. Le inyanga inyanga ngaphezu kwesaziso seentsuku ezi-15 zangaphambili.
- Amabhanki akakwazi ukunika iifizi kwiimali ezingaphezulu kwama-50 ekhulwini ngaphezu komda wakho wesikweletu.
- Iingxelo zentlawulo kufuneka zithunyelwe iintsuku ezingama-21 phambi komhla wokuhlawula. Iintlawulo zisexesha ngexesha nje zifunyenwe ngo-5 ntambama ngosuku olufunekayo. Iintlawulo ezenziwe ngosuku emva kweveki okanye iholide nazo zixesha.
I-Bureau nayo yadala isiseko semvumelwano yekhadi lesikweletu. Ivumela ababoleki ukuba baqhathanise izivumelwano phakathi kwamakhulu amabini anikezelo lwekhadi lesikweletu.
I-Bureau iqalise "Yazi Ngaphambi Kwakho." Kwadibanisa ezimbini iinkcukacha ezifunekayo zombuso ezifunekayo kwifom elula. Yenza iindleko kunye nemingcipheko yombolekiso ecacileyo kwaye ivumela abathengi ukuba bathelekise ivenkile.
Kwakhona kwenza kube lula kubboleki ukuba baqonde ingozi kunye neendleko zokukhuselwa kwe-overdraft. I-Bureau ifumene ukuba ababoleki abasebenzisa ukukhuselwa kwe-overdraft bahlawula imali engaphezulu kwama-450 kwiimirhumo.
Ngo-2017, i-Bureau yayeka ukuhlawulwa kwemithwalo yemboleko. Kwakudingeka ukuba abo babolekisi baqaphele ngaphambili ukuba ngababoleki banakho ukubuyisela imali mboleko. Ithintela aba babolekisi ukuba baxoxwe kwi-akhawunti yebhanki yomboleki.
Ngo-2013, i-CFPB ibeka imigangatho ephezulu yemakethi yokuboleka imali. Kwakudinga ababolekisi ukuba baqinisekise iimali zabangenayo. Ukuphazamisa ukuqala "kwamazinga okuhlawula" ngenxa yokuba abaninzi ababolekisi be-subprime babanjwe-balindi xa amaxabiso aphakanyiswa ngonyaka wesithathu wemboleko.
I-Bureau ikhuphe iingxelo malunga:
- Umphumo weCARD Act.
- Ingxelo yemali ye-credit card oyifumayo ingaba yinto eyahlukileyo kwileyo ebhanki.
- Iibhanki zinokuphucula njani ulwazi lwakho lwezinga lokutshintshiselwa xa usebenzisa imali yokudluliselwa kwemali.
- Ingxelo yenkqubela kwizinto ezifezekileyo kuze kube yimhla.
Indlela iTrump isenza ngayo i-Bureau
AmaRiphabhlikhi kwiCongress ufuna ukubuthathaka iBosi njengenxalenye yokupheliswa kwabo kweDodd-Frank. Bathi imimiselo yayo kunye namacala okugweba awenzakalisa amabhizinisi, ngakumbi amabhanki amancinci. Abachasi beBhunga baxela ukuba indawo yomlawuli ayihambisani nomgaqo-siseko. Kungenxa yokuba unokuphelelwa ngumongameli kuphela ngenxa yokungabikho komthetho okanye ukunyaniseka.
I-Trump ekhethiweyo ibhajethi uMlawuli uMick Mulvaney njengomlawuli osebenzayo weBhodi. Ubuthathaka iBhunga. U-Mulvaney ungomnye wabaphikisi beBhovisi. Ngo-2014, wabiza ngokuthi ihlaya. Ukholelwa ukuba ukuzimela kwayo kuyingozi. Kodwa abadali balo bathi iBhodi idinga ukuzimela kwayo ukuze igcine umsebenzi wayo wokubukela.
Ngo-2018, iNdlu yabaBameli ikhuphe i-bill bipartisan eyayiza kutshintsha indawo yesikhokelo kunye nekomiti elungu-5. Umongameli uza kukhetha amalungu eekomishini, kodwa akukho ngaphaya kweyesithathu kunakho nawuphi na umbutho. Umthetho-mali awuyi kuwela i-Senate.
Ngo-2017, iiRiphabhliki zazisa umyalelo-mali ukuba ufumane ukulawula ngaphezulu kwiBhodi. Umthetho-mali uya kunika umongameli amandla okutshisa umlawuli ngaliphi na isizathu. Kwakhona kuya kutshintsha isabelomali seBhunga kwi-Federal Reserve ukuya kwiCongress.
Ngo-Juni 13, 2017, uNobhala Wezezimali we-US uStephen Mnuchin wakhulula ingxelo ephakamise utshintsho kwiDodd-Frank. Ingxelo yayiphendule kwinqanaba elilawulayo uMongameli uTrump wasayinwa ngoFebruwari 3, 2017. Isicwangciso sasiza kuhlaziywa iBhunga njengekhomishoni yamalungu amaninzi. Njenge-Bill House, kuya kuvumela umongameli ukuba asuse umlawuli ngeyiphi na isizathu. Kuya kubuye iqondise inkxaso yeBhunga kwi-Federal Reserve ukuya kwiCongress.
Ngo-Oktobha 24, 2017, i-Senate ivotele ukukhupha umthetho omtsha owenziwe yiBhodi. Lo mgaqo wawuya kubavumela abathengi ukuba baphikise amabhanki kunye neenkampani zekhadi lesikweletu. Kunoko, ivoti ye-Senate ixhasa ilungelo leebhanki lokumisela ukubethelwa kwabasebenzisi.
Umsebenzi we-Elizabeth Warren ekudaleni iCFPB
I-Senator kunye nowayesakuba nguprofesa we-Harvard Law u-Elizabeth Warren wayengumsekeli weBhunga. Uye waba yingqineli yamalungelo abathengi ukususela ngo-2007 . Yilapho efumanisa ukuba ukurhoxiswa kwenkxaso kunceda ibhanki kwaye ibeka abathengi engozini. Ukholelwa ukuba iibhanki akufanele zivunyelwe ukuba " zikhulu kakhulu ukuhluleka ." Kwakhona wakhuthaza ukubolekisa imali ngokulula ukuyiqonda.
Ngo-2010, uMongameli u-Obama wamthiya uMncedisi kuMongameli kunye noMcebisi oMcebisi kuNobhala weNondyebo kwi-CFPB ukufumana i-bureau kunye nokusebenza. Kodwa ininzi leRiphabhliki kwiNdlu yavotela ngokumiselwa kwakhe njengomlawuli weBhunga.
Ngo-2010, umlawuli wefilimu uRon Howard uxhasayo i-bill kunye namavidiyo e-intanethi amahlazo. Omnye uthetha malunga neendleko zeemali zamatyala ezifihlakeleyo kunye nomnye malunga nokuseka i-Arhente yeMali yokuThengiswa kwezeMali ngokwayo.