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house Bill H.R. 4545

Should an Independent Office Review Complaints & Appeals by Banks About Their Regulatory Exams?

Argument in favor

The process for banks appealing the findings of regulatory examinations should be consolidated under an independent office so that banks don’t have to file and track multiple different appeals.

Mart's Opinion
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03/15/2018
Not a fan of more committees, but if it helps free the market, great! It’d be best though to remove ALL regulations, except the basic law of fraud!
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Jeffrey's Opinion
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03/16/2018
The Federal Government has proven again and again that it is no more trustworthy organization than any bank! At least Banks need a contract to confiscate your money, the Federal Government just uses the IRS!
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Larry's Opinion
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03/15/2018
You cannot expect justis to be served if the judge is not an uninterested 3rf party.
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Argument opposed

The existing process for banks appealing the findings of financial regulators works just fine, and this bill would let banks escape or delay accountability for violations of federal laws.

OlderNWiser's Opinion
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03/15/2018
Independent? Office? #45 has these criteria for any department head or member of his Administration: They must praise him endlessly, endorse any idiotic words from his mouth including all contradictions,must be prepared to destroy the Constitution, the American people, and the office or department they head to further enrich the wealthiest 1%.
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screenbones's Opinion
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03/15/2018
Banks will try anything to lower their regulations, no matter the actual regulatory burden. ***These banks are doing just fine right now***! The point of regulations is to protect the American people. Stop trying to destroy these protections.
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Marc's Opinion
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03/15/2018
Not unless trump unlocks the consumer and financial protection bureau and gives it the freedom that Dodd/frank gave it
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bill Progress


  • Not enacted
    The President has not signed this bill
  • The senate has not voted
      senate Committees
      Committee on Banking, Housing, and Urban Affairs
  • The house Passed March 15th, 2018
    Roll Call Vote 283 Yea / 133 Nay
      house Committees
      Committee on Financial Services
    IntroducedDecember 4th, 2017

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    Not a fan of more committees, but if it helps free the market, great! It’d be best though to remove ALL regulations, except the basic law of fraud!
    Like (23)
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    Independent? Office? #45 has these criteria for any department head or member of his Administration: They must praise him endlessly, endorse any idiotic words from his mouth including all contradictions,must be prepared to destroy the Constitution, the American people, and the office or department they head to further enrich the wealthiest 1%.
    Like (42)
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    Banks will try anything to lower their regulations, no matter the actual regulatory burden. ***These banks are doing just fine right now***! The point of regulations is to protect the American people. Stop trying to destroy these protections.
    Like (33)
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    I am so disappointed in our Delaware senators. This bill dismantles consumer protections. Big banks are bullies already. So many people were hurt in 2008....why risk it happening again? Sandi Townsend Wilmington Delaware
    Like (20)
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    Not unless trump unlocks the consumer and financial protection bureau and gives it the freedom that Dodd/frank gave it
    Like (16)
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    The existing process for banks appealing the findings of financial regulators works just fine, and this bill would let banks escape or delay accountability for violations of federal laws.
    Like (13)
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    Here's an idea. Why not save the taxpayers money and stop wasting time drafting and passing individual bills that completely erode any hint of regulation of the financial industry in this country? You are not subtle and the public is not stupid! We understand you want to spend your last term in office giving what is left of the nation away to your special interests, lobbyists and big donors. You have proven over the past year you have their interests in mind, not the interests of the American people in your districts for whom you were elected to REPRESENT! I hope you all have your life jackets ready for the wave I hope hits DC. It is time to return public service, civility, honesty and humility to our political environment. The American people deserve it and our democratic republic demands it.
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    Another attempt to hamstring bank regulation?
    Like (9)
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    As soon as I saw this was sponsored by a Republican, my immediate reaction was to oppose it. Upon further examination though I find that this is just another attempt by Republicans to weaken consumer protections and further the interests of the big banks. No way this should be approved. GET RID OF CONGRESSIONAL REPUBLICANS IN NOVEMBER
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    Have “we” forgotten the financial disaster of 2008. I haven’t! Dodd-Frank was established to protect the American people from the greed and recklessness of the big financial institutions. I remember clearly what happened to my retirement funds and how many years it took to get back to the pre-2008 level. Those are years it could have been growing instead of recovering! So now we are going to deregulate our banks back to that disaster?? What are you people thinking? Obviously not about the welfare of your constituents!
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    The Federal Government has proven again and again that it is no more trustworthy organization than any bank! At least Banks need a contract to confiscate your money, the Federal Government just uses the IRS!
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    This bill would give banks to much freedom in the long run which could eventually lead to some kind of greed. I believe banks are currently in check right now, so we shouldn't pass this bill, especially because of it being an independent office. The reason I emphasize independent office is because if this bill was passed it might start as an independent office, but who´s to say it will stay that way. As you can see we U.S citizens seem to distrust banks holding our money, but we will still use them for our convince.
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    BANKS WILL TRY ANYTHING TO GET OUT OF BEING REGULATED AND THIS IS SOMETHING REPUBLICANS JUST LOVE! BUT REGULATIONS ARE THERE FOR THE SAFETY OF THE PEOPLE, NOT THE PROFIT OF BUSINESSES! NOTHING THAT TAKES AWAY THE POWER OF THE REGULATIONS THAT PROTECT US--THE CITIZENS OF THE UNITED STATES, SHOULD EVER BE ALLOWED TO WEAKEN THOSE REGULATIONS. THAT WAY LEADS TO FRAUD BY THE BIG BUSINESSES OF THE LITTLE GUY, AND THAT IS THE REST OF THE NON-EXTREMELY WEALTHY! WE NEED REGULATIONS BECAUSE THE BIG BUSINESSES CAN JUST BUY THE VOTES OF MEMBERS OF CONGRESS AND WE CANNOT!
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    Existing procedures and processes work well and with efficiency and this is an unnecessary new layer of bureaucracy and a thinly veiled attempt to further deregulate banks unnecessarily and actually dangerously.
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    Only one more way for the banks to get rid of regulations and do whatever they want. If the banks want it, it can only hurt the consumers and the economy.
    Like (4)
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    We need more bank regulation.
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    No more giving to big banks
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    This is just a bill to allow banks to skirt their regulatory requirements. If it wasn’t clear enough that Congress works for Wall Street, it should be very clear now given the Congress has ambushed us with all these financial industry deregulation bills.
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    Separation of bank and State I say.
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    This is simply a way for banks to further delay and obstruct any attempts to hold them accountable for violating the law.
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