Title XII, known as the Improving Access to Mainstream Financial Institutions Act of 2010, offers incentives to encourage low- and middle-income people to participate in financial systems. The organizations authorized to implement these incentives are 501 (c) (3) and IRC 501 (a) tax-exempt organizations, federal insurance deposit agencies, municipal development institutions, national, local or tribal governments.  Multi-Year Scholarship Programs, Cooperation Agreements, etc., are also present In a late addition by the Conference Committee, the Act contains a provision that nullifies Rule 436 (g) under the Securities Act of 1933 (the Securities Act), which currently exempts nationally recognized rating agencies from the requirements of the Securities Act applicable to experts and experts. , which is important, exempts rating agencies from the liability set out in Section 11. ratings are included in the Securities Act registration statements. The repeal of Rule 436 (g) means that credit rating agencies must give written consent before their ratings can be included in registration statements. This will have a direct impact on registered structured finance issues that are directly based on credit ratings, and it may be even more important if the SEC sets rules requiring the inclusion of credit ratings in corporate bond issuers` registration statements. Dodd-Frank Section 952 deals with independent compensation committees, their advisors and legal teams.  These provisions require the SEC to require national exchanges to set standards for the remuneration committees of listed companies listed on those exchanges.  Under these standards, national exchanges are prohibited from listing state-owned enterprises that do not have an independent remuneration committee.  In order to ensure the independence of compensation committees, the SEC is required to identify all areas that may create a potential conflict of interest and to work to determine precisely the requirements to be met in order for the committee to be considered independent.
  Other consulting services, personal relationships between advisors and shareholders, Consultants` fees as a percentage of the company`s turnover and the consultants` stock stocks are:  These provisions also include consultants and legal teams who use compensation committees by requiring proxy statements to disclose compensation advisors and by providing for a review to ensure that there is no conflict of interest.  Compensation committees are fully responsible for selecting advisors and determining their remuneration.  The final rules for compensation committees were implemented by the SEC in June 2012 and came into effect in July 2012.  Among these rules, the New York Stock Exchange (NYSE) and the NASDAQ have also added their own rules for maintaining advisors.  These regulations were approved by the SEC in 2013 and came into effect in full in early 2014.   Dodd-Frank`s additional provisions in Section 972 require state-owned enterprises to disclose, in proxy statements, the reasons why the current CEO and the Chairman of the Board of Directors assume their duties.   The same rule applies to renewals of the CEO or chairman of the board of directors.  So-it-day companies must find reasons to support their decisions to retain an existing CEO or reasons to choose new companies to keep shareholders informed.  Section 955 of Dodd-Frank deals with employee and manager safety practices.  These provisions require the SEC to implement rules requiring state-owned enterprises to disclose, in proxy statements, whether or not employees and directors of the company may or may not hold a short position on the company`s shares.
 This applies to both employees and directors who are compensated by corporate shares as well as those who do not