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By: Joe Adler, OnWallStreet.com

An interesting excerpt from the December 27 article:

“Bankers have almost become used to the intense growth of new rules in the five years since the financial crisis, but some see a light at the end of the tunnel as the agencies inch toward the end of Dodd-Frank rulemakings and the economy improves.”

But maybe, they are just “hopeful”.

“By all accounts, 2013 saw a continuance of the regulatory tightening that followed the 2008 turmoil, mostly due to Dodd-Frank implementation. The Consumer Financial Protection Bureau unveiled rules redefining mortgage underwriting which go into effect in early 2014. The bank regulators wrapped up the Volcker Rule ban on bank trading. Capital and liquidity standards were strengthened further, and agencies — led by the CFPB — announced a steady stream of enforcement actions and regulatory settlements.

The ramp-up will surely continue into the New Year. Some observers say the CFPB may just be hitting its stride, while regulators are expected to soon release rules dealing with big-bank capital surcharges and final supervisory changes mandated by Dodd-Frank. Regulators have also yet to finish a key rule from the law requiring securitizes to retain credit risk.”