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多德-弗兰克法案极大地扩大了美联储的监管权和监督权,却未明确美联储保持内部信息透明的义务。越来越多的证据表明,多德-弗兰克法案新规则的作用具有累退效应,使得低收入消费者更难获取主流银行的产品与服务,而获得安全的储蓄和可负担的信贷对经济增长至关重要。成本收益分析的目的不是要放弃保护消费者,相反恰恰是消费者保护,尤其是保护低收入消费者。
The Dodd-Frank Act greatly expanded the power of the Federal Reserve to supervise and supervise the Federal Reserve. However, it did not specify the obligation of the Federal Reserve to maintain the transparency of internal information. There is growing evidence that the Dodd-Frank Act has a regressing effect on the new rules, making it more difficult for low-income consumers to access the products and services of mainstream banks while gaining secure savings and affordable credit for economic growth It is very important. The purpose of cost-benefit analysis is not to abandon the protection of consumers, but rather to protect consumers, especially low-income consumers.