Indima kaFrank kwiNkqubela yeMali ka-2008
Uyaziwa ngokuba nolwazi olufanelekileyo kwiimeko ezimeleyo zemali e-United States.
Wayeyingcali yezindlu kunye nomgaqo-mboleko. Wagxininisa ekukhuseleni abanini bezindlu, ngakumbi abo baneengeniso eziphantsi. 2008 UMthetho woLondolozo lweZindlu zaseMelika kunye noMthetho wokuLawulwa kweNgcaciso.
UFrank wagxekwa ngokuvikela uFannie Mae noFreddie Mac . Ngenxa yeso sizathu, abanye bayamgxeka ngenxa yeengxaki zemali eziphantsi komhlaba . Isizathu esiyinyaniso kukuba iibhanki zixhamle kwiimveliso. Ukufumana okungakumbi, jonga Yintoni eyabangela iCrisis Mortgage Crisis?
UFrank wazama ukunciphisa iindleko zemikhosi . Wayexela ukuba i-federal funds ichithwe ngokutsha ukuphuhlisa izakhiwo zangasese ekhaya. Kumele kwenziwe ukwenzela ukunciphisa ityala kunye ne-US.
Sekudala uye waba ngummeli wemimiselo kwimbuyekezo yokulawula, njengoko athi, "... ivuza i-CEO ngokuthatha ingozi kodwa ukuba ilahlekelwa yilahleko iya ekhaya ukuze idle njengesiqhelo."
IKomiti yeeNkonzo zeMali
Ikomidi lijongamela zonke iinkalo zecandelo lezindlu kunye neenkonzo zezezimali zelizwe kubandakanya iibhanki, i-inshorensi, i-real estate, yoluntu kunye noluncedo lwezindlu, kunye nezobambiso .
Ihlola iinkqubo eziphathelele kwi- Federal Reserve , i- FDIC , i- SEC , i-Fannie Mae kunye noFreddie Mac, i-HUD kunye ne-arhente zamazwe ngamazwe njengeBhanki yehlabathi kunye ne- International Monetary Fund . IKomidi iphinda iqinisekise ukunyanzeliswa kwemithetho yokukhusela abathengi njengomthetho wase-US Housing Act, iNyaniso yeMali yokuLawulwa, uMthetho weZindlu kunye noPhuhliso loLuntu, kunye noMthetho woLuntu wokuThengisa kwakhona, phakathi kwabanye.
Kutheni iFransi ibalulekile kwi-Economy
NjengoSihlalo weKomidi yeNkonzo yezeMali yezeNdlu, wayejongene nokuphuhlisa impendulo kwi- deployed $ 700 yeebhiliyoni ezicetywayo nguNobhala we-Treasury wase-US uHenry Paulson . Ngethamsanqa, wayeyiqonda kakuhle kakuhle ukuba iziphumo ezibangelwa yi- banking crisis . Oko kwakuthetha ukuba wavuma noPaulson ukuba ukwenza into ayiyonto.
UFrank wayazi ukuba zeziphi ezinye iindlela ezifunekayo ukuba zifakwe. Ubungcali bakhe babethetha ukuba unokunceda umalusi isisombululo ngeCongress. Amanyathelo afanelekileyo afakwe:
- Uncedo kubanini bezindlu bazama ukuphepha ukucandwa.
- Isakhiwo sokongamela esiza kuhlaziya ukuthengwa kweNondyebo kunye nokuthengiswa kwemali.
- Isigxina sokulingana karhulumente kwiinkampani ezifumana uncedo lokuxhaswa.
- Imida kwimbuyekezo yokulawula yamashishini ahlanguliwe.
Amanyathelo ajongene neengxaki zokuziphatha. Akukho mntu wayefuna ukuxhaswa kwemali ukuvumela amabhanki ukuba aphephe umgca. Ibhanki ithatha ingozi enkulu. Ukuxhaswa kwempahla kufuneka kube neentlungu ezaneleyo ukuze bangayi kuphinda benze kwakhona. Ukuxhaswa kwemali akuzange kukhulule amabhanki kwimiphumo yezigqibo zabo ezimbi ngaphandle kokuhlawula abahlawuli berhafu.
Kwakhona wayenomthwalo wokungena kwi- Dodd-Frank Wall Street Reform Act , ebizwa ngokuba nguye kunye noSenator Chris Dodd, D, Conn.
Amanyathelo ayo asibhozo azinze ezinye zeengxaki ezibangele iingxaki zemali. Kwakhona kwasekwa iBhizinesi leKhuseleko lezeMali . Ukunciphisa ukusetyenziswa kweebhanki kwiimali ze-depositors nge- Volcker Rule .
Umsebenzi weFrank Early
UBarney Frank wayengummeli waseMassachusetts State (1972-1980). Ufundise kwiiyunivesithi ezininzi zaseBoston. Uphumelele kwiHarvard College (1962) kunye neHarvard Law School (1977). Wa sukela i Ph.D. eHarvard. Washiya ngo-1968 ukuba abe ngumncedisi oyintloko kuMeya uKevin White waseBoston. Wayekhonza kwiNdlu yaseMassachusetts yamaBameli ukusuka ngo-1972 ukuya kowe-1980, kwaye wavunyelwa kwi-bar ngo-1979.
Ngo-2012, uFrank washiya umhlala-phantsi kwizepolitiki. Ngo-2015, wanyathelisa imemori yakhe: UFrank: Ubomi kwizopolitiko ezivela kwi-Great Society ukuya kumtshato wesini . Okwangoku uyisithethi sikarhulumente esisebenzayo.