Financial regulation, one year later

Credit cards

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While the Dodd-Frank Act calls for sweeping changes to bank accounts and fees, mortgages, credit cards and other instruments of personal finance, only a handful of reforms have gone into effect.

A whole new government agency, the Consumer Finance Protection Bureau — where consumers can go to find financial information and file complaints — is up and running, but it is only a shell of what the law calls for.

One year after the law came out of Congress, rule making has been painfully slow while lobbying is underway to soften its impact.

Find out what new federal rules will have an impact on your financial life, and those that have yet to see the light of day.

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