Ukushintshela ekuphathweni okusha kwe-Biden kulindeleke ukuthi kulethe izinguquko ezibalulekile ezindaweni eziningi zempilo yaseMelika. Futhi
imithetho yasebhange yase-US , okuhlanganisa izinguquko ku-Consumer Financial Protection Bureau (ubuholi be-CFPB), ayinakugwenywa. Umongameli okhethiwe uJoe Biden kulindeleke ukuthi aqinise imithetho futhi aqinise nokusetshenziswa kwemithetho ekhona.
Nansi eminye yemithetho
yasebhange abaphathi beBiden okulindeleke ukuthi babe nomthelela kuyo.
1. Ukushintsha Abaholi Be-CFPB
I-
CFPB ibekwe ngendlela ehlukile ukuze iqonde futhi iphendule ukukhathazeka kwezinkinga zezimali zabantu baseMelika abajwayelekile. Phakathi nalolu bhubhane, i-CFPB yabona ukwanda okukhulu kwezikhalazo zabathengi, kusukela emizamweni yokubolekwa kosuku lokukhokha lokudla imikhonyovu ehlobene nokugoma ukusetshenziswa kabi kwemininingwane yomuntu siqu yabathengi.
Phakathi neminyaka kaTrump, lapho ngokuvamile kucatshangwa ukuthi wenza buthaka ukufinyelela kwe-CFPB, i-Bureau ayikwazanga ukusiza abathengi ngendlela efanayo. Lokhu kubonakale kakhulu ngesinqumo sokuphatha kukaTrump sokuqoka uMick Mulvaney, umgxeki oqinile wenhlangano elawulayo owazama ukukhawulela amandla ayo ngaphakathi. UMulvaney uyeke ukuqasha, wayeka ukuqoqa izinhlawulo, futhi wabuyekeza lonke uphenyo lwamanje.
Nge-CFPB ene-neutered, i-Biden kungenzeka ibuyisele i-CFPB enhlosweni yayo yasekuqaleni. Ingxenye ebalulekile yalokho ukuqoka umqondisi omusha we-CFPB. Kunokuqagela ukuthi owayengumqondisi uRichard Cordray uzobuyela esikhundleni sakhe. Ezinye izinketho zihlanganisa uSenator Elizabeth Warren (Democrat-Massachusetts), Omele u-Katie Porter (Democrat-California), noma owayenguKhomishana Wezindaba Zabathengi eNew York City u-Mark J. Green.
2. Ukubuyisela Inhloso Ye-CFPB
Ngaphandle kokukhetha umqondisi we-CFPB, umuntu angaqiniseka ukuthi ubuholi obusha be-CFPB buzobonisa izizathu zangempela zenhlangano: ukwengamela okuthuthukisiwe kukahulumeni kwamabhizinisi.
Umqondisi omusha cishe uzoletha imithetho emisha yamabhange. Lokhu kuyinto engenakugwenywa. Umqondisi othuthukayo futhi ogxile ekulawuleni uzosho ukuqapha okukhulu nokuqiniswa komthetho, kanye nokubuyisela imithetho eyayibekwe eceleni ngaphansi kokuphatha kukaTrump. Isibonelo, ababolekisi bosuku lokukhokha kungenzeka kudingeke ukuthi babhale phansi kuphela imali ebolekiwe kubathengi abakwaziyo ukuyibuyisela. Uma kubhekwa imiphumela ephazamisayo yokuwohloka komnotho ezigidini zabantu baseMelika, lokhu cishe kuzobekwa njengokusebenza indima ebalulekile ekuvikeleni abantu ekulimaleni kwezimali.
Ubuchwepheshe be-Agile compliance bungenza kube lula kumabhange ukunciphisa ubuhlungu bekhanda obuvame ukuhambisana nemithetho emisha ye-CFPB. Isibonelo,
ukugeleza komsebenzi okuzenzakalelayo kungenza kube lula ukuthi amaqembu okuthobela alungise imithetho yebhizinisi ehambisana nezidingo zezitiphu,
imvume yemigomo nemibandela , nezinye izinto ezidingekayo ukuze uhambisane nezidingo eziguqukayo.
3. Ukuqeda ubhubhane lwe-Covid-19
Okunye okungakhulunywa kakhulu ngemiphumela yenkinga ye-coronavirus ukwanda kwezikhalazo zabathengi. I-CFPB ithole izikhalazo ezingama-29,494 ngoMashi 2020
isola ukuphathwa kabi kwabathengi - ekhuphuke yafinyelela ku-37,926 ngoJuni 2020. Ababolekisi abagabadelayo namabhizinisi basebenzise ithuba lokulangazelela kwabantu usizo, kungakhathaliseki ukuthi lwezezimali noma lwezokwelapha. Nakuba kuzohlala kukhona abadlali ababi, futhi nakuba umthetho uyohlale udingeka ukuze ubagcine beqinile, ukubhekana nembangela yokukhwabanisa okwandayo kubalulekile.
Ngenkathi umongameli okhethiwe u-Obama bekumele abhekane nomnotho osenkingeni ngenxa yezimakethe, iBiden idla ifa lomnotho ongeke uphinde ubuyele emuva kuze kuxazululwe inkinga ekhona yezempilo. Ngakho-ke, ngenkathi u-Obama edinga ukubeka phambili ukulungisa uhlelo lwezezimali, futhi atshale kakhulu ekuqiniseni imithethonqubo, lokho ngeke kwanele ukuthi i-America Biden izuze njengefa.
IBiden isivele
yethule iphakethe lokusebenzisa imali elingama- $ 1.9 trillion , elenzelwe ukulwa nalolu bhubhane kanye nomthelela walo emnothweni. Izimali zizovela ngokuphelele ngokuboleka okukhulu kwenhlangano. Uma ekwazile ukunqoba impi ye-Covid, kungenzeka ukuthi umnotho uzobuyela emuva - kanye nemisebenzi nokunakekelwa kwezempilo. Ngaphansi kwalezi zimo ezintsha - ukuqashwa okungcono kanye nempilo - umuntu angathemba ukuthi abathengi ngeke basengozini yokukhohliswa kanye nemikhuba engafanele.
4. Ukuphoqelela Ukusetshenziswa Kwe-Fintech Ukuze Kuzuze Abathengi
I-Fintech, noma ubuchwepheshe bezezimali, bunamandla okuba isilinganisi esihle. Ama-fintech amasha angavumela amaqembu abantulayo ukuthi athole ukufinyelela okulinganayo
ekubolekeni ngokuzenzakalelayo , izikweletu zezindlu, nezinye izinsiza zezezimali.
Kungenzeka ukuthi abaphathi be-Biden bazokwethula imithetho emisha yokuqinisekisa ukuthi i-fintech isetshenziselwa ukuqinisa imithetho efana ne-
Community Reinvestment Act (CRA) . Ukwandisa ukufinyelela kwabantu abahlukahlukene ezinsizeni zezezimali ezisezingeni eliphezulu kungenzeka kube yinto okugxilwe kuyo abaphathi.
Isibonelo, ama-fintech ngezinye izikhathi asebenzisa ukugeleza kwemali komuntu ukuze alinganise ukufaneleka kwakhe ukuthola imali mboleko, ngokuphambene nesikolo sabo sekhredithi (i-FICO). Ukuthembela ngokweqile kumaphuzu esikweletu sekuyisikhathi eside kube yinkinga, futhi kungenzeka ukuthi abalawuli abangaphansi kwabaphathi abasha bazoshintsha imithetho edinga ukuhlaziya amaphuzu esikweletu.
Okunye okungenzeka ukuthi abaphathi abasha bazogqugquzela ama-fintech ukusiza ukukhipha izwe enkingeni yezomnotho. Isibonelo, ama-fintech angaphezu kwamabhange endabuko angasebenzisa kalula ubuchwepheshe ukusheshisa ukuxolelwa kwemali mboleko ye-
PPP umjikelezo wesibili .
Abalawuli bangase futhi babeke imithetho emisha ehambisana nokufinyelela kulwazi lwezezimali lwabathengi ngaphansi kweSigaba 1033 se-
Dodd-Frank Act . Okwamanje, Isigaba 1033 sivumela abathengi ukuthi bathole ukufinyelela kudatha eqoqwa yi-fintechs kubo, futhi bayisebenzisele ukulawula imisebenzi yabo yezezimali. Nakuba lokhu kunyakaza kwakuklanyelwe ukuthuthukisa umuzwa womthengi we-fintech, okuvumela abathengisi ukuthi basebenzise idatha yomuntu siqu ukuthuthukisa noma ukuthuthukisa imikhiqizo emisha, futhi bekugcwele ubungozi bomthengi. Ukwengeza imithetho emisha kuSigaba 1033 kuzovumela abathengi ukuthi bakhulise izinzuzo zabo kuma-fintech ngenkathi benciphisa ukuchayeka kwabo engozini.
Okubalulekile: Imithetho Emisha Yebhange Nokwengamela Kusendleleni
Mancane amathuba okuthi ukwethula imithetho emisha yasebhange kube yinto yokuqala ebaluleke kakhulu kaBiden ngemuva nje kokugcotshwa kwakhe. Ukulwa ne-coronavirus, ubumbano olwengeziwe esizweni esiqhekekile, kanye nokuthola usizo lwezezimali ezandleni zezakhamizi kuzoba phezulu ezingqondweni. Ngesikhathi esifanayo, zonke lezi zenzo zizoba nomthelela ngokungaqondile emphakathini osengozini encane yemikhuba yebhizinisi elihlaselayo.
Abaphathi beBiden bazophasisa imithetho nakanjani futhi baqoke abantu abakha indawo yokulawula eqinile kunaleyo uTrump ayengamele. Kepha njengoba usongo lwe-Covid ludlula futhi umnotho ubuyela emuva, iBiden kungenzeka ingadingi ukuvumela i-pendulum ukuthi ijike ibheke kolunye uhlangothi lokweqisa. Isisekelo esimaphakathi esivumela izikhungo zezezimali namabhizinisi ukuthi ziphefumule ngenkathi zivikela izakhamizi ekulimaleni kwezezimali zingaphezu kwalokho okungenzeka.
