On April 21, 2010, the 議会予算局（CBO） released a cost-estimate of enacting the legislation. In its introduction, the CBO briefly discussed the legislation and then went on to generally state that it is unable to assess the cost of financial crises under current law, and added that estimating the cost of similar crises under this legislation (or other proposed ideas) is equally (and inherently) difficult: "[…] CBO has not determined whether the estimated costs under the Act would be smaller or larger than the costs of alternative approaches to addressing future financial crises and the risks they pose to the economy as a whole."In terms of the impact on the federal budget, the CBO estimates that deficits would reduce between 2011–2020, but largely in part due to the risk-based assessment fees levied to initially capitalize the Orderly Liquidation Fund; after which, the majority of revenue for the fund would be drawn primarily from interest payments. Due to this, the CBO projects that eventually the money being paid into the Fund (in the form of fees) would be exceeded by the expenses of the Fund itself. Additionally, the CBO points out that the reclassification of collected fees by various government agencies has the effect of boosting revenue.The cost estimate also raises questions about the time-frame of capitalizing the Fund – their estimate took the projected value of fees collected for the Fund (and interest collected on the Fund) weighed against the expected expense of having to deal with corporate default(s) until 2020. Their conclusion was it would take longer than 10 years to fully capitalize the Fund (at which point they estimated it would be approximately 45 billion), although no specifics beyond that were expressed.The projection was a $5 billion or more deficit increase in at least one of the ten-year periods starting in 2021.
Ed Yingling, president of the American Bankers Association, regarded the reforms as haphazard and dangerous, saying "To some degree, it looks like they're just blowing up everything for the sake of change […] [i]f this were to happen, the regulatory system would be in chaos for years. You have to look at the real-world impact of this."Some experts have argued that the Dodd–Frank Act isn’t strong enough, arguing that it fails to protect consumers adequately, and, more importantly, does not end too big to fail.The Securities Industry and Financial Markets Association (SIFMA) — the "top Wall Street lobby" — has expressed support for the law, and has urged Congress not to change or repeal it in order to prevent a stronger law from passing.Law professor and bankruptcy expert David Skeel concluded that the law has two major themes which are "government partnership with the largest Wall Street banks and financial institutions" and "a  system of ad hoc interventions by regulators that are divorced from basic rule-of-law constraints". While he states that "the overall pattern of the legislation is disturbing", he also concludes that some are clearly helpful, such as the derivatives exchanges and the Consumer Financial Protection Bureau.Continental European scholars have also discussed the necessity of far-reaching banking reforms in light of the current crisis of confidence, recommending the adoption of binding regulations that would go further than the Dodd–Frank Act—notably in France where SFAF and World Pensions Council (WPC) banking experts have argued that, beyond national legislations, such rules should be adopted and implemented within the broader context of separation of powers in European Union law.  This perspective has gained ground after the unraveling of the Libor scandal in July 2012, with mainstream opinion leaders such as the フィナンシャル・タイムズ editorialists calling for the adoption of an EU-wide "Glass Steagall II"
The 1934年証券取引所法 is amended to require disclosure of payments relating to the acquisition of licenses for exploration, production, etc., where "payment" includes fees, production entitlements, bonuses, and other material benefits. The act states in SEC. 1504 (3) that these documents will be made available online to the public.
Requires the SEC to report on mine safety by gathering information on violations of health or safety standards, citations and orders issued to mine operators, number of flagrant violations, value of fines, number of mining-related fatalities, etc., to determine whether there is a pattern of violations.
E節は、抵当貸付の返済に問題を抱えた人々のためのエスクローおよび処分手続に係るルールに関わるもので、1974年物的財産処分手続法を改正するものでもある。Subtitle E concerns rules concerning escrow and settlement procedures for people who are in trouble repaying their mortgages, and also makes amendments to the Real Estate Settlement Procedures Act of 1974. In general, in connection with a residential mortgage there should be established an escrow or impound account for the payment of taxes, hazard insurance, and (if applicable) flood insurance, mortgage insurance, ground rents, and any other required periodic payments. Lender shall disclose to borrower at least three business days before closing the specifics of the amount required to be in the escrow account and the subsequent uses of the funds. If an escrow, impound, or trust account is not established, or the consumer chooses to close the account, the servicer shall provide a timely and clearly written disclosure to the consumer that advises the consumer of the responsibilities of the consumer and implications for the consumer in the absence of any such account. The amendments to the Real Estate Settlement Procedures Act of 1974 (or RESPA) change how a Mortgage servicer (those who administer loans held by Fannie Mae, Freddie Mac, etc.) should interact with consumers.
外構は敷地まわりの構造物をおもに示すが、エクステリアは草木地など前庭等も含めて述べられる。関連する資格として、日本の造園に関する資格一覧にある資格の他、東京商工会議所主催 福祉住環境コーディネーター検定試験　などがある。 基幹技能者の例では、建築ブロック・エクステリア基幹技能者 がある。関連団体として、日本アルミニウム協会、全国技能士会連合会に所属する日本エクステリア工業会 などがある。なお、網戸など建材製品などもエクステリア製品と呼ばれることがある。日本では古来より、庭園造りという伝統があり造園業が存在したが、近代にいたり特に都市部では住宅を取り巻く環境が車社会の到来や住宅の欧米化なども含めて大きく変化したため、従来の庭造りの概念だけでは解決できず、門、塀、車庫、アプローチなどがより建築やそれを取り巻く街並みとの兼ね合いで住環境を捉える必要から、エクステリアという新たな概念が生まれた。また、それを専門に設計施工する専門家や施工業者が増加した。しかし、エクステリアという言葉の概念があいまいであったため、設計・施工に関しても確かな拠り所がない時期があった。その間にエクステリアを取り巻く環境は大きく変化し、『景観条例』、『街作り条例』施行などで、環境整備、町並み保全、緑化などが全国の自治体によって進められたことなどから、それらに配慮したエクステリアのあり方や技術、技能の向上の重要性が増してきた。近年ではさらにエクステリアの新しい利用方法として、国内外で居間同様に生活空間として利用できるスペース利用法としてのアウトドアリビングという概念も生まれ、さらにエクステリアの概念が多様化している。エクステリアの鑑定と積算については一般的に、外構・工作物等の工事費も含め『外構・工作物実例データ集』（「建物の鑑定評価必携」シリーズ）や『積算ポケット手帳』 外構編などを用いて算出している。