最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯监管与政策

CFPB发布现金贷上限新规,市场反映较为平稳

就在三周前,美国消费者金融保护局(CFPB)制定了最新的小额借贷上限标准。但共和党立法者对于是否帮助金融公司反对该规定态度暧昧,而之前,他们对CFPB另一强制仲裁的条款规定则表现了长达数月的抵制和反对。

这份全新的小额借贷规定于10月5日发布最终版本,公布后金融服务行业回应不一。总体上,大银行在CFPB决定放松对小型出借方如信用合作社的限制后就不再有批评意见,而消费者银行家协会和支付日接待行业则反应激烈。对比来看,6月10日CFPB最终发布的限制金融公司对消费者起诉案件施加强行仲裁的规定则引来了金融服务界迅速统一的谴责。10天之内国会议员就宣布启动《国会审核法案CRA》决议,试图阻碍上述规定实施。10月24日他们成功了,副总统Mike Pence打破参议院平衡,中止了该规定实施。

小额借贷限制规定尚未在《联邦公报》发布,发布后才能生效。CFPB一发言人说已经提交。一旦该规定正式提交到国会,立法者有60个自然日(休息日除外)启动CRA决议,参考自国会研究服务。

众议院金融服务委员会发言人Jeff Emerson说委员会主席Jeb Hensarling想要启动CRA决议,但针对该规定"还没有相关计划"。被问及为何还没有相关CRA决议,Emerson回答说因为《联邦公报》还没发布。

参议院银行委员会主席Mike Crapo周四说他不想"评判"参议院是否会启动CRA决议。被问及关于强制仲裁条款的CRA投票胜势微弱是否会影响共和党人阻碍此次小额贷款规定的考量。Crapo说:"所有这些投票都会是难分伯仲的。" Crapo办公室没有立即回复关于为什么国会议员尚未行动的评论请求。

虽然暂未行动,该新规定的支持和反对者都同意会启动CRA决议。美国金融服务中心(代表小额借贷行业)执行理事Ed D'Alessio周四在邮件中说,他认为国会这次可能想要启动CRA,部分因为上次的成功。如果CRA没有启动,小额借贷行业还可以通过诉讼来阻碍规定生效。D'Alessio说:"即使CRA决议没有推翻该规定,小额借贷行业在某个时间点也会通过诉讼来推翻该规定,还会尽其他一切可能来阻止它生效。"

美国金融改革(支持金融服务业更多监管)的活动总监Gynnie Robnett周四电话中说小额借贷行业"一切都危在旦夕",因此会全力推动启动CRA。Robnett说:"但我认为这次和上次关于仲裁的决议情况很不一样。我认为我们可以赢得这场投票。"她提到了金融服务业立场有分歧而且政治家将支付日贷款行业批为掠夺者。

小额借贷行业外,之前反对仲裁条款的主要行业团体这次保持了相对沉默。华盛顿美国银行家协会发言人Jeff Sigmund邮件中说,他们机构将继续"和成员保持联系,探讨该关于支付日借贷的新规定是否为银行提供了充足的机会,让他们提供客户所需要的小额贷款。"该组织不仅代表大银行还有小机构,后者在CFPB最终公布的规定版本中免受影响。另一CFPB选择免受此次支付日借贷规定影响的信用合作社也都保持了沉默。

华盛顿信用合作社全国协会首席倡议官员Ryan Donovan周四电话中说,支付日借贷和仲裁条款不同之处在于CFPB这次试图"为用户保持有利于消费者的短期小额借贷选择,而这正是信用合作社所提供的。"

Over three weeks have passed since the Consumer Financial Protection Bureau finalized a rule that places new limits on small-dollar lending, but leading GOP lawmakers are giving mixed signals about whether members of Congress will aid the financial companies that oppose the regulation - unlike the months-long battle they waged to block a separate CFPB provision on mandatory arbitration clauses.

Despite a flurry of skepticism from lawmakers and financial firms about the small-dollar lending rule while it was pending, the final version, released on Oct. 5, was met with a divided response from the financial services industry. In general, big banks stopped short of criticizing the rule after the CFPB decided to ease restrictions on small lenders such as credit unions, while the Consumer Bankers Association and the payday lending industry cried foul.

By comparison, groups representing the financial services industry were quick, and unified, in condemning the CFPB rule, when it was finalized on July 10, that hindered financial firms' ability to require arbitration to settle legal disputes brought by consumers. Within 10 days, members of Congress had announced plans to introduce Congressional Review Act resolutions to block the regulation. They succeeded on Oct. 24 after Vice President Mike Pence broke a tie in the Senate to halt the rule.

The payday rule still hasn't been published in the Federal Register, which is a prerequisite for it entering into force, but a CFPB spokesman said it's been submitted for publication. Once the rule is officially transmitted to Congress, a lawmaker has 60 calendar days, not counting recess periods, to introduce a CRA resolution, according to the Congressional Research Service.

Jeff Emerson, a spokesman for the House Financial Services Committee, said that committee Chairman Jeb Hensarling (R-Texas) wants a CRA resolution to move forward, but that "nothing has been planned yet" on the payday rule. When asked why there hasn't been any immediate action regarding a CRA, Emerson pointed to the pending Federal Register publication.

Senate Banking Committee Chairman Mike Crapo (R-Idaho) told reporters Thursday that he did not want to "give odds" on whether a CRA resolution is likely in the Senate.

"I know that there's a lot of consideration and discussion of it, but I'm just waiting to see what that discussion generates," Crapo said.

When asked if the tight margin of the arbitration CRA vote would change Republicans' calculus on blocking the payday rule, Crapo said, "We've always known that all of these are going to be close."

Crapo's office didn't immediately return a request for comment on why lawmakers have been relatively slower to act.

Despite the slow response, both critics and proponents of the rule are expecting a CRA resolution. Ed D'Alessio, the executive director of Financial Service Centers of America, which represents the small-dollar lending industry, said by email Thursday that he thinks there's an appetite in Congress for a payday rule CRA, partly because of the success of the arbitration resolution.

If a resolution does not move forward, however, the lending industry always has the option of trying to block the rule through litigation.

"Even if a CRA resolution is not successful in overturning the rule, the industry will at some point also be pursuing litigation to overturn the rule and will also continue to pursue any other relief possible to prevent it from going into effect," D'Alessio said.

Gynnie Robnett, a campaign director at Americans for Financial Reform, which supports more regulation of the financial services industry, said by phone Thursday that the small-dollar lending industry has "everything at stake" and will likely continue to push for a resolution.

"But I think the circumstances of that fight are much different than the arbitration fight, and I think we are in a good place to have that fight," Robnett said. She cited the lack of unity in the financial services industry's stance and the political criticism of the payday loan industry as predatory lenders.

Outside of the small-dollar loan sector, major industry groups that criticized the arbitration rule have kept relatively quiet on the payday loan rule. Jeff Sigmund, a spokesman for the Washington-based American Bankers Association, said by email that the organization is continuing "to engage with our members to determine whether the final rule provides banks with adequate opportunity to offer the small-dollar credit their customers need."

ABA represents large banks but also smaller institutions, which were essentially exempted from the final version of the CFPB's rule. Credit unions, another class of institution that the CFPB opted not to subject to the payday loan rule, have said little about the regulation.

Ryan Donovan, the chief advocacy officer for the Washington-based Credit Union National Association, said by phone Thursday that the payday rule differs from arbitration because the CFPB tried to "leave consumer-friendly, short-term small-dollar lending options available, just like the ones that credit unions offer."


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

潘, 妍媛未央编辑团队

101
总文章数

TA还没写个人介绍。。。

美国证监会:ICO代币必须登记为证券

C. Edward ... 11-13

美联储发布P2P借贷行业警示报告

JD Alois 11-10

日本金融厅:ICO或受支付服务法及金融商品交易法监管

Sujha Sund... 10-31

韩国拟对比特币交易进行征税

火币区块链研究中心 10-17

美国监管机构CFPB重拳整治发薪贷、车贷和“气球贷”

高旭 10-13

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1