iwu nchekwa
Ndozigharị mwepu ọmụrụ nwa (MID) nwere ike ịbawanye ego ụtụ isi gọọmentị etiti ma mee ka usoro ụtụ isi na-aga n'ihu. Otú ọ dị, ụfọdụ ndị na-atụ ụtụ isi, karịsịa ndị nwere nnukwu ego, nwere ike ibelata ụtụ isi ọ bụla metụtara mgbanwe ahụ site n'ịre ụfọdụ akụ ego na ịkwụ ụgwọ ụgwọ mgbazinye ha. Omume a ga-ebelata ego gọọmentị etiti jikọtara na mgbanwe ahụ ma nwee ike mee ka mgbanwe MID na-aga n'ihu na-aga n'ihu karịa ka ọ ga-adị.
Ekele maka onyinye sitere n'aka Peter G. Peterson Foundation, Ụlọ Ọrụ Na-ahụ Maka Ụtụ Isi (TPC) nwere ike ịmegharị atụmatụ mgbanwe MID, gụnyere mmetụta nke ndị na-atụ ụtụ isi na-azaghachi mgbanwe ndị ahụ site n'ịkwụ ụgwọ nbinye na akụ ego ha. Anyị na-enye ihe atụ ụfọdụ n'ime akwụkwọ eserese, na-egosi ego a na-enweta na nkesa nke nbinye ego mgbazinye.
MID mgbanwe abụrụla isiokwu nke arụmụka amụma ụtụ isi n'ihi na ọ bụ ihe mkpali na-adịghị mma maka ezinụlọ ndị nwere obere ego, bụ ndị na-adịkarịghị ewepụta mwepu, ịzụta ụlọ. N'otu oge ahụ, mwepu a na-agba ndị ezinụlọ nwere nnukwu ego ka ha gbazite ka ha zụta nnukwu ụlọ dị oke ọnụ karịa itinye ego na akụ ndị ọzọ. The Tax Cuts and Works Act fọrọ nke nta ka okpukpu abụọ nke ọkọlọtọ mwepu na capped steeti na mpaghara ụtụ isi mwepu na $10.000 maka ụtụ isi afọ 2018 site 2025. N'ihi ya, ọnụ ọgụgụ nke taxpayers item deductions na-azọrọ MID abawanyela. nke MID na-etinyekwu uche na njedebe elu nke nkesa ego.
Otu esi esi na mbinye ego anụrị pụta
Emebere iwu Dodd-Frank Wall Street Reform na Consumer Protection na nzaghachi maka nsogbu ego nke 2007-2008. Iwu ahụ, aha ya bụ ndị nkwado ya Senator Christopher J. Dodd (Democrat of Connecticut) na onye nnochite anya Barney Frank (Democrat nke Massachusetts), nwere ọtụtụ ndokwa, akọwapụtara na ibe 848, nke a ga-emejuputa n'ime ọtụtụ afọ.
Iwu Dodd-Frank Wall Street Reform na Consumer Protection bụ nnukwu iwu mgbanwe ego nke emere na 2010, n'oge ọchịchị Obama. Iwu Dodd-Frank Wall Street Reform na Consumer Protection Act - nke a na-akpụ akpụ na Dodd-Frank Act - guzobe usoro nke ụlọ ọrụ gọọmentị ọhụrụ nyere ọrụ ilekọta akụkụ dị iche iche nke iwu na, site na mgbakwunye, akụkụ dị iche iche nke usoro ego.
Mgbe a họpụtara Donald Trump ka ọ bụrụ onyeisi oche na 2016, o kwere nkwa ịkagbu Dodd-Frank. Na Mee 2018, ọchịchị Trump bịanyere aka n'akwụkwọ iwu ọhụrụ na-akagbu akụkụ dị mkpa nke Dodd-Frank. N'ịdabere ndị nkatọ ahụ, ndị omebe iwu US gafere Uto Akụ na ụba, Regulatory Relief, na Consumer Protection Act, nke wepụrụ akụkụ dị mkpa nke Iwu Dodd-Frank. Onye isi ala Trump bịanyere aka na ya n'iwu na May 24, 2018. Nke a bụ ụfọdụ n'ime usoro iwu ọhụrụ ahụ, yana ụfọdụ ebe iwu ahụ dị jụụ:
Ụgwọ nke ụlọ ọrụ Cfpb
Mbụ XIV nke Iwu, nke a na-akpọ Mortgage Reform na Anti-Predator Lending Act, na-ewepụta ụkpụrụ kacha nta maka nnyefe obibi, na-achịkwa ụgwọ ndị na-ere ego na-akwụ ụgwọ, ma na-agbasawanye nchebe ndị ahịa na ihe ngosi nke ndị na-agbazinye ego. Ọ na-emepụtakwa Office of Housing Counseling n'ime US Department of Housing and Urban Development (HUD). Mgbanwe nke Mbụ XIV na-abanye n'ọrụ n'etiti ọnwa isii na ọnwa iri na asatọ ka e kwupụtachara Iwu ahụ.
Iwu ahụ hiwere ụfọdụ ụkpụrụ gọọmentị etiti maka mgbazinye ego mgbazinye ụlọ emebere iji hụ na agwara ndị na-azụ ahịa ma nwee ike ịkwụ ụgwọ nbinye ha. Ọtụtụ n'ime iwu ọhụrụ a depụtara n'okpuru nwere ike imetụta ọrụ nke "onye malitere ịgbazinye ego," akọwara dị ka onye ọ bụla natara akwụkwọ mbinye ego obibi, nyere onye na-arịọ arịrịọ aka, ma ọ bụ kparịta usoro ego mgbazinye:
Iwu ahụ na-emepụta ụlọ ọrụ ndụmọdụ gbasara ụlọ n'ime ngalaba nke ụlọ na mmepe obodo. Ebum n'obi ụlọ ọrụ ahụ iji kwado ndụmọdụ gbasara nwe ụlọ, mgbazinye ego na mgbazinye nke otu. Ọ ga-esetịpụ ụkpụrụ maka ihe ndị a na-eji na ndụmọdụ dị otú ahụ, kwalite ndụmọdụ, na-eduzi mmemme mmụta, na inye ndị otu na-enye ndụmọdụ aka ego.
Ọ ga-ekwe omume ịgụnye mgbanwe na nnyefe? 2021
Ihe kpatara ịda mbà n'obi akụ na ụba nke 2008 n'otu akụkụ site na mgbawa nke afụ ụlọ. Ịgba mgbazinye bịara dị nnọọ mfe inweta, ọtụtụ n'ime ha nwekwara ihe ndị na-eri anụ nke mere ka ọ na-esiri ndị gbaziri ego ike ịkwụ ụgwọ ụlọ ha ma ọ bụrụ na ala na ụlọ ha dara n'ọnụ ahịa.
Isiokwu XIV na-emezi Eziokwu na ịgbazinye ego (15 USC 1631) iji guzobe ọrụ nlekọta maka ndị niile na-ewepụta ego, nke ga-achọ ka ha tozuo oke, debanyere aha na ikike dịka ọ dị mkpa, yana ịgbaso ụkpụrụ ọ bụla nke Federal Reserve chepụtara. Board iji lelee ọrụ ya. Lee 15 USC § 1639(a), 15 USC § 1639(b) (Dodd-Frank § 1402). Amachibidoro ndị na-amalite ịgbazinye ego ịnata nkwụghachi nha nha ihu nke mbinye ego ahụ, nke kwesịrị ibelata ihe mkpali maka ndị na-ewepụta ego na-eduzi ndị na-agbazinye ego n'ụlọnga nke onye gbaziri ego enweghị ike ịkwụghachi. Lee 15 USC § 1639(b) (Dodd-Frank Act § 1403). Ụlọ ọrụ Federal Reserve Board nwere ikike machibido usoro mbinye ego aghụghọ, nke na-ezighị ezi, ma ọ bụ mkparị, ma nwee ike ịhazi ụgwọ ụlọ obibi niile iji hụ na okwu dị mma nke ndị na-azụ ahịa na ọha na eze. Lee id. (Dodd Frank Act § 1405).
