US regulatory issues—structured products and securitisation

This overview is a guide to the Banking & Finance content within the US regulatory issues—Structured products and securitisation subtopic, with links to appropriate materials.

The principal regulations that govern structured products and securitisation in the United States (US) are set out below.

Dodd-Frank

Following the financial crisis of the US capital markets in 2008, the Dodd-Frank Wall Street Reform and Consumer Protection Act 2010 (Dodd-Frank) was enacted to increase the regulation of the US financial system.

With respect to derivatives used in structured products, Dodd-Frank:

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mandates the registration and regulation of 'swap dealers' and 'major swap participants'
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imposes clearing and trade execution requirements on standardised derivative products
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requires recordkeeping and data reporting of swaps, including real-time public reporting, and
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enhances federal agencies’ oversight over the swaps industry

Dodd-Frank has two key aims:

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to remove the threat of a major counterparty failure from the financial system of the kind seen by the collapse of Lehman Brothers or AIG; and
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to provide regulators with data as to the size and nature of a market which is globally

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